Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,073,391Cash toward the purchase price.
Closing costs + prepaids$23,847Not just lender fees.
Before credits & paid funds$1,097,238The complete starting cash picture.
Estimated remaining funds due at closing
$1,097,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,073,390.68
Your down payment$1,073,390.68
Closing costs + prepaids$23,847.48
Total buyer cash needed$1,097,238.16
Remaining funds due$1,097,238.16
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%)$1,628.05
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 (27 days)$792.43
Fees + prepaids$23,847.48
Your down payment is the seller’s equity. You take over the $325,609 balance, so the rest of the $1,399,000 price is paid at closing. A second mortgage can cover part of it. $1,097,238.16 is due at closing. Uses and sources reconcile at $1,422,847.48 each. Not a Closing Disclosure.