Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$1,069,907Cash toward the purchase price.
Closing costs + prepaids$23,759Not just lender fees.
Before credits & paid funds$1,093,666The complete starting cash picture.
Estimated remaining funds due at closing
$1,093,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,069,906.70
Your down payment$1,069,906.70
Closing costs + prepaids$23,759.29
Total buyer cash needed$1,093,665.99
Remaining funds due$1,093,665.99
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%)$13,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,400.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,620.00
Initial HOA (3 months)$696.99
Prepaid interest, first (10 days)$323.83
Fees + prepaids$23,759.29
Your down payment is the seller’s equity. You take over the $280,093 balance, so the rest of the $1,350,000 price is paid at closing. A second mortgage can cover part of it. $1,093,665.99 is due at closing. Uses and sources reconcile at $1,373,759.29 each. Not a Closing Disclosure.