Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$255,548Cash toward the purchase price.
Closing costs + prepaids$30,745Not just lender fees.
Before credits & paid funds$286,292The complete starting cash picture.
Estimated remaining funds due at closing
$286,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,547.66
Your down payment$255,547.66
Closing costs + prepaids$30,744.71
Total buyer cash needed$286,292.37
Remaining funds due$286,292.37
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%)$13,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,671.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,792.50
Prepaid interest, first (29 days)$3,163.44
Fees + prepaids$30,744.71
Your down payment is the seller’s equity. You take over the $1,134,352 balance, so the rest of the $1,389,900 price is paid at closing. A second mortgage can cover part of it. $286,292.37 is due at closing. Uses and sources reconcile at $1,420,644.71 each. Not a Closing Disclosure.