Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$413,644Cash toward the purchase price.
Closing costs + prepaids$23,203Not just lender fees.
Before credits & paid funds$436,846The complete starting cash picture.
Estimated remaining funds due at closing
$436,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$413,643.67
Your down payment$413,643.67
Closing costs + prepaids$23,202.73
Total buyer cash needed$436,846.40
Remaining funds due$436,846.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$10,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,431.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,175.75
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$1,353.71
Fees + prepaids$23,202.73
Your down payment is the seller’s equity. You take over the $686,256 balance, so the rest of the $1,099,900 price is paid at closing. A second mortgage can cover part of it. $436,846.40 is due at closing. Uses and sources reconcile at $1,123,102.73 each. Not a Closing Disclosure.