Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$391,274Cash toward the purchase price.
Closing costs + prepaids$28,917Not just lender fees.
Before credits & paid funds$420,191The complete starting cash picture.
Estimated remaining funds due at closing
$420,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,274.50
Your down payment$391,274.50
Closing costs + prepaids$28,916.95
Total buyer cash needed$420,191.45
Remaining funds due$420,191.45
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%)$12,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,293.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,172.00
Prepaid interest, first (31 days)$4,733.34
Fees + prepaids$28,916.95
Your down payment is the seller’s equity. You take over the $858,725 balance, so the rest of the $1,249,999 price is paid at closing. A second mortgage can cover part of it. $420,191.45 is due at closing. Uses and sources reconcile at $1,278,915.95 each. Not a Closing Disclosure.