Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$207,236Cash toward the purchase price.
Closing costs + prepaids$29,775Not just lender fees.
Before credits & paid funds$237,011The complete starting cash picture.
Estimated remaining funds due at closing
$237,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,236.38
Your down payment$207,236.38
Closing costs + prepaids$29,774.84
Total buyer cash needed$237,011.22
Remaining funds due$237,011.22
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%)$11,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,708.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,872.50
Initial HOA (3 months)$438.00
Prepaid interest, first (27 days)$4,047.52
Fees + prepaids$29,774.84
Your down payment is the seller’s equity. You take over the $941,764 balance, so the rest of the $1,149,000 price is paid at closing. A second mortgage can cover part of it. $237,011.22 is due at closing. Uses and sources reconcile at $1,178,774.84 each. Not a Closing Disclosure.