Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$290,637Cash toward the purchase price.
Closing costs + prepaids$36,542Not just lender fees.
Before credits & paid funds$327,179The complete starting cash picture.
Estimated remaining funds due at closing
$327,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,637.49
Your down payment$290,637.49
Closing costs + prepaids$36,541.63
Total buyer cash needed$327,179.12
Remaining funds due$327,179.12
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%)$15,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,536.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,995.00
Initial HOA (3 months)$725.01
Prepaid interest, first (31 days)$3,086.81
Fees + prepaids$36,541.63
Your down payment is the seller’s equity. You take over the $1,307,363 balance, so the rest of the $1,598,000 price is paid at closing. A second mortgage can cover part of it. $327,179.12 is due at closing. Uses and sources reconcile at $1,634,541.63 each. Not a Closing Disclosure.