Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$1,072,626Cash toward the purchase price.
Closing costs + prepaids$23,118Not just lender fees.
Before credits & paid funds$1,095,744The complete starting cash picture.
Estimated remaining funds due at closing
$1,095,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,072,626.03
Your down payment$1,072,626.03
Closing costs + prepaids$23,117.71
Total buyer cash needed$1,095,743.74
Remaining funds due$1,095,743.74
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%)$1,631.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,219.00
Prepaid interest, first (2 days)$58.84
Fees + prepaids$23,117.71
Your down payment is the seller’s equity. You take over the $326,374 balance, so the rest of the $1,399,000 price is paid at closing. A second mortgage can cover part of it. $1,095,743.74 is due at closing. Uses and sources reconcile at $1,422,117.71 each. Not a Closing Disclosure.