Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$267,465Cash toward the purchase price.
Closing costs + prepaids$26,435Not just lender fees.
Before credits & paid funds$293,900The complete starting cash picture.
Estimated remaining funds due at closing
$293,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,464.93
Your down payment$267,464.93
Closing costs + prepaids$26,435.17
Total buyer cash needed$293,900.10
Remaining funds due$293,900.10
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%)$10,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,157.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,191.25
Initial HOA (3 months)$39.51
Prepaid interest, first (25 days)$3,838.73
Fees + prepaids$26,435.17
Your down payment is the seller’s equity. You take over the $831,535 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $293,900.10 is due at closing. Uses and sources reconcile at $1,125,435.17 each. Not a Closing Disclosure.