Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$282,287Cash toward the purchase price.
Closing costs + prepaids$23,621Not just lender fees.
Before credits & paid funds$305,908The complete starting cash picture.
Estimated remaining funds due at closing
$305,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,287.26
Your down payment$282,287.26
Closing costs + prepaids$23,620.93
Total buyer cash needed$305,908.20
Remaining funds due$305,908.20
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%)$10,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,063.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,187.00
Prepaid interest, first (24 days)$1,202.37
Fees + prepaids$23,620.93
Your down payment is the seller’s equity. You take over the $812,713 balance, so the rest of the $1,095,000 price is paid at closing. A second mortgage can cover part of it. $305,908.20 is due at closing. Uses and sources reconcile at $1,118,620.93 each. Not a Closing Disclosure.