Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$304,589Cash toward the purchase price.
Closing costs + prepaids$38,923Not just lender fees.
Before credits & paid funds$343,513The complete starting cash picture.
Estimated remaining funds due at closing
$343,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,589.49
Your down payment$304,589.49
Closing costs + prepaids$38,923.38
Total buyer cash needed$343,512.88
Remaining funds due$343,512.88
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%)$17,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,452.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,914.75
Initial HOA (3 months)$420.00
Prepaid interest, first (18 days)$4,968.58
Fees + prepaids$38,923.38
Your down payment is the seller’s equity. You take over the $1,490,411 balance, so the rest of the $1,795,000 price is paid at closing. A second mortgage can cover part of it. $343,512.88 is due at closing. Uses and sources reconcile at $1,833,923.38 each. Not a Closing Disclosure.