Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$212,179Cash toward the purchase price.
Closing costs + prepaids$27,461Not just lender fees.
Before credits & paid funds$239,641The complete starting cash picture.
Estimated remaining funds due at closing
$239,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,179.42
Your down payment$212,179.42
Closing costs + prepaids$27,461.42
Total buyer cash needed$239,640.85
Remaining funds due$239,640.85
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%)$10,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,314.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$895.50
Initial HOA (3 months)$396.00
Prepaid interest, first (31 days)$4,887.82
Fees + prepaids$27,461.42
Your down payment is the seller’s equity. You take over the $862,821 balance, so the rest of the $1,075,000 price is paid at closing. A second mortgage can cover part of it. $239,640.85 is due at closing. Uses and sources reconcile at $1,102,461.42 each. Not a Closing Disclosure.