Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$200,102Cash toward the purchase price.
Closing costs + prepaids$33,494Not just lender fees.
Before credits & paid funds$233,595The complete starting cash picture.
Estimated remaining funds due at closing
$233,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,101.57
Your down payment$200,101.57
Closing costs + prepaids$33,493.86
Total buyer cash needed$233,595.43
Remaining funds due$233,595.43
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%)$12,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,494.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,247.50
Prepaid interest, first (27 days)$5,543.87
Fees + prepaids$33,493.86
Your down payment is the seller’s equity. You take over the $1,098,898 balance, so the rest of the $1,299,000 price is paid at closing. A second mortgage can cover part of it. $233,595.43 is due at closing. Uses and sources reconcile at $1,332,493.86 each. Not a Closing Disclosure.