Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$36,222Cash toward the purchase price.
Closing costs + prepaids$28,025Not just lender fees.
Before credits & paid funds$64,247The complete starting cash picture.
Estimated remaining funds due at closing
$64,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,222.04
Your down payment$36,222.04
Closing costs + prepaids$28,025.35
Total buyer cash needed$64,247.39
Remaining funds due$64,247.39
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%)$12,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,868.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,246.75
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$2,516.71
Fees + prepaids$28,025.35
Your down payment is the seller’s equity. You take over the $1,173,778 balance, so the rest of the $1,210,000 price is paid at closing. A second mortgage can cover part of it. $64,247.39 is due at closing. Uses and sources reconcile at $1,238,025.35 each. Not a Closing Disclosure.