Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$207,456Cash toward the purchase price.
Closing costs + prepaids$33,092Not just lender fees.
Before credits & paid funds$240,548The complete starting cash picture.
Estimated remaining funds due at closing
$240,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,456.12
Your down payment$207,456.12
Closing costs + prepaids$33,092.15
Total buyer cash needed$240,548.27
Remaining funds due$240,548.27
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%)$12,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,437.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,237.50
Initial HOA (3 months)$279.00
Prepaid interest, first (24 days)$4,969.93
Fees + prepaids$33,092.15
Your down payment is the seller’s equity. You take over the $1,087,544 balance, so the rest of the $1,295,000 price is paid at closing. A second mortgage can cover part of it. $240,548.27 is due at closing. Uses and sources reconcile at $1,328,092.15 each. Not a Closing Disclosure.