Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$41,416Cash toward the purchase price.
Closing costs + prepaids$27,777Not just lender fees.
Before credits & paid funds$69,193The complete starting cash picture.
Estimated remaining funds due at closing
$69,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,415.82
Your down payment$41,415.82
Closing costs + prepaids$27,776.71
Total buyer cash needed$69,192.53
Remaining funds due$69,192.53
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%)$5,842.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,235.00
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$2,305.79
Fees + prepaids$27,776.71
Your down payment is the seller’s equity. You take over the $1,168,584 balance, so the rest of the $1,210,000 price is paid at closing. A second mortgage can cover part of it. $69,192.53 is due at closing. Uses and sources reconcile at $1,237,776.71 each. Not a Closing Disclosure.