Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$403,222Cash toward the purchase price.
Closing costs + prepaids$28,162Not just lender fees.
Before credits & paid funds$431,385The complete starting cash picture.
Estimated remaining funds due at closing
$431,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$403,222.43
Your down payment$403,222.43
Closing costs + prepaids$28,162.46
Total buyer cash needed$431,384.89
Remaining funds due$431,384.89
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%)$12,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,478.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,247.50
Prepaid interest, first (18 days)$1,228.07
Fees + prepaids$28,162.46
Your down payment is the seller’s equity. You take over the $895,778 balance, so the rest of the $1,299,000 price is paid at closing. A second mortgage can cover part of it. $431,384.89 is due at closing. Uses and sources reconcile at $1,327,162.46 each. Not a Closing Disclosure.