Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,298,600Cash toward the purchase price.
Closing costs + prepaids$20,696Not just lender fees.
Before credits & paid funds$1,319,296The complete starting cash picture.
Estimated remaining funds due at closing
$1,319,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,298,599.87
Your down payment$1,298,599.87
Closing costs + prepaids$20,696.31
Total buyer cash needed$1,319,296.19
Remaining funds due$1,319,296.19
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%)$13,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$252.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$733.00
Prepaid interest, first (1 days)$3.31
Fees + prepaids$20,696.31
Your down payment is the seller’s equity. You take over the $50,400 balance, so the rest of the $1,349,000 price is paid at closing. A second mortgage can cover part of it. $1,319,296.19 is due at closing. Uses and sources reconcile at $1,369,696.31 each. Not a Closing Disclosure.