Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$309,101Cash toward the purchase price.
Closing costs + prepaids$24,076Not just lender fees.
Before credits & paid funds$333,177The complete starting cash picture.
Estimated remaining funds due at closing
$333,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,101.08
Your down payment$309,101.08
Closing costs + prepaids$24,075.95
Total buyer cash needed$333,177.04
Remaining funds due$333,177.04
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%)$10,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,949.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,318.75
Prepaid interest, first (12 days)$1,599.71
Fees + prepaids$24,075.95
Your down payment is the seller’s equity. You take over the $789,899 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $333,177.04 is due at closing. Uses and sources reconcile at $1,123,075.95 each. Not a Closing Disclosure.