Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$201,793Cash toward the purchase price.
Closing costs + prepaids$31,570Not just lender fees.
Before credits & paid funds$233,364The complete starting cash picture.
Estimated remaining funds due at closing
$233,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,793.04
Your down payment$201,793.04
Closing costs + prepaids$31,570.48
Total buyer cash needed$233,363.52
Remaining funds due$233,363.52
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%)$12,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,241.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,165.00
Initial HOA (3 months)$682.74
Prepaid interest, first (30 days)$5,763.70
Fees + prepaids$31,570.48
Your down payment is the seller’s equity. You take over the $1,048,207 balance, so the rest of the $1,250,000 price is paid at closing. A second mortgage can cover part of it. $233,363.52 is due at closing. Uses and sources reconcile at $1,281,570.48 each. Not a Closing Disclosure.