Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$215,349Cash toward the purchase price.
Closing costs + prepaids$26,580Not just lender fees.
Before credits & paid funds$241,929The complete starting cash picture.
Estimated remaining funds due at closing
$241,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,349.39
Your down payment$215,349.39
Closing costs + prepaids$26,579.51
Total buyer cash needed$241,928.90
Remaining funds due$241,928.90
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%)$10,749.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,298.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$964.00
Initial HOA (3 months)$19.74
Prepaid interest, first (27 days)$4,330.27
Fees + prepaids$26,579.51
Your down payment is the seller’s equity. You take over the $859,601 balance, so the rest of the $1,074,950 price is paid at closing. A second mortgage can cover part of it. $241,928.90 is due at closing. Uses and sources reconcile at $1,101,529.51 each. Not a Closing Disclosure.