Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$398,608Cash toward the purchase price.
Closing costs + prepaids$27,718Not just lender fees.
Before credits & paid funds$426,326The complete starting cash picture.
Estimated remaining funds due at closing
$426,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,608.40
Your down payment$398,608.40
Closing costs + prepaids$27,717.61
Total buyer cash needed$426,326.01
Remaining funds due$426,326.01
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%)$13,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,751.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,686.25
Prepaid interest, first (17 days)$1,571.40
Fees + prepaids$27,717.61
Your down payment is the seller’s equity. You take over the $950,392 balance, so the rest of the $1,349,000 price is paid at closing. A second mortgage can cover part of it. $426,326.01 is due at closing. Uses and sources reconcile at $1,376,717.61 each. Not a Closing Disclosure.