Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$308,347Cash toward the purchase price.
Closing costs + prepaids$27,009Not just lender fees.
Before credits & paid funds$335,355The complete starting cash picture.
Estimated remaining funds due at closing
$335,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,346.79
Your down payment$308,346.79
Closing costs + prepaids$27,008.64
Total buyer cash needed$335,355.43
Remaining funds due$335,355.43
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%)$13,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,453.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$665.50
Initial HOA (3 months)$525.00
Prepaid interest, first (1 days)$156.87
Fees + prepaids$27,008.64
Your down payment is the seller’s equity. You take over the $1,090,653 balance, so the rest of the $1,399,000 price is paid at closing. A second mortgage can cover part of it. $335,355.43 is due at closing. Uses and sources reconcile at $1,426,008.64 each. Not a Closing Disclosure.