Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$341,659Cash toward the purchase price.
Closing costs + prepaids$24,812Not just lender fees.
Before credits & paid funds$366,472The complete starting cash picture.
Estimated remaining funds due at closing
$366,472No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,659.48
Your down payment$341,659.48
Closing costs + prepaids$24,812.33
Total buyer cash needed$366,471.81
Remaining funds due$366,471.81
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%)$3,791.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,030.75
Initial HOA (3 months)$462.51
Prepaid interest, first (18 days)$2,310.87
Fees + prepaids$24,812.33
Your down payment is the seller’s equity. You take over the $758,241 balance, so the rest of the $1,099,900 price is paid at closing. A second mortgage can cover part of it. $366,471.81 is due at closing. Uses and sources reconcile at $1,124,712.33 each. Not a Closing Disclosure.