Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$310,476Cash toward the purchase price.
Closing costs + prepaids$26,252Not just lender fees.
Before credits & paid funds$336,728The complete starting cash picture.
Estimated remaining funds due at closing
$336,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,475.83
Your down payment$310,475.83
Closing costs + prepaids$26,251.77
Total buyer cash needed$336,727.60
Remaining funds due$336,727.60
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%)$3,947.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,607.00
Initial HOA (3 months)$47.49
Prepaid interest, first (30 days)$2,433.16
Fees + prepaids$26,251.77
Your down payment is the seller’s equity. You take over the $789,424 balance, so the rest of the $1,099,900 price is paid at closing. A second mortgage can cover part of it. $336,727.60 is due at closing. Uses and sources reconcile at $1,126,151.77 each. Not a Closing Disclosure.