Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$249,014Cash toward the purchase price.
Closing costs + prepaids$26,734Not just lender fees.
Before credits & paid funds$275,748The complete starting cash picture.
Estimated remaining funds due at closing
$275,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,014.48
Your down payment$249,014.48
Closing costs + prepaids$26,733.65
Total buyer cash needed$275,748.13
Remaining funds due$275,748.13
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,254.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,750.00
Initial HOA (3 months)$660.00
Prepaid interest, first (27 days)$1,850.72
Fees + prepaids$26,733.65
Your down payment is the seller’s equity. You take over the $850,986 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $275,748.13 is due at closing. Uses and sources reconcile at $1,126,733.65 each. Not a Closing Disclosure.