Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$244,148Cash toward the purchase price.
Closing costs + prepaids$28,516Not just lender fees.
Before credits & paid funds$272,664The complete starting cash picture.
Estimated remaining funds due at closing
$272,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,147.83
Your down payment$244,147.83
Closing costs + prepaids$28,516.08
Total buyer cash needed$272,663.91
Remaining funds due$272,663.91
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%)$11,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,469.26
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,845.00
Prepaid interest, first (26 days)$3,603.82
Fees + prepaids$28,516.08
Your down payment is the seller’s equity. You take over the $893,852 balance, so the rest of the $1,138,000 price is paid at closing. A second mortgage can cover part of it. $272,663.91 is due at closing. Uses and sources reconcile at $1,166,516.08 each. Not a Closing Disclosure.