Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$261,476Cash toward the purchase price.
Closing costs + prepaids$25,104Not just lender fees.
Before credits & paid funds$286,580The complete starting cash picture.
Estimated remaining funds due at closing
$286,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,476.14
Your down payment$261,476.14
Closing costs + prepaids$25,103.67
Total buyer cash needed$286,579.81
Remaining funds due$286,579.81
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%)$10,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,942.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$500.00
Prepaid interest, first (27 days)$3,943.05
Fees + prepaids$25,103.67
Your down payment is the seller’s equity. You take over the $788,524 balance, so the rest of the $1,050,000 price is paid at closing. A second mortgage can cover part of it. $286,579.81 is due at closing. Uses and sources reconcile at $1,075,103.67 each. Not a Closing Disclosure.