Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,141,945Cash toward the purchase price.
Closing costs + prepaids$22,002Not just lender fees.
Before credits & paid funds$1,163,947The complete starting cash picture.
Estimated remaining funds due at closing
$1,163,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,141,945.39
Your down payment$1,141,945.39
Closing costs + prepaids$22,001.74
Total buyer cash needed$1,163,947.13
Remaining funds due$1,163,947.13
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%)$13,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,039.77
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,132.75
Initial HOA (3 months)$90.00
Prepaid interest, first (1 days)$22.22
Fees + prepaids$22,001.74
Your down payment is the seller’s equity. You take over the $207,955 balance, so the rest of the $1,349,900 price is paid at closing. A second mortgage can cover part of it. $1,163,947.13 is due at closing. Uses and sources reconcile at $1,371,901.74 each. Not a Closing Disclosure.