Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$273,744Cash toward the purchase price.
Closing costs + prepaids$31,421Not just lender fees.
Before credits & paid funds$305,165The complete starting cash picture.
Estimated remaining funds due at closing
$305,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,743.95
Your down payment$273,743.95
Closing costs + prepaids$31,420.81
Total buyer cash needed$305,164.76
Remaining funds due$305,164.76
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%)$13,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,306.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,734.25
Initial HOA (3 months)$87.51
Prepaid interest, first (25 days)$4,724.77
Fees + prepaids$31,420.81
Your down payment is the seller’s equity. You take over the $1,061,256 balance, so the rest of the $1,335,000 price is paid at closing. A second mortgage can cover part of it. $305,164.76 is due at closing. Uses and sources reconcile at $1,366,420.81 each. Not a Closing Disclosure.