Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$228,074Cash toward the purchase price.
Closing costs + prepaids$29,883Not just lender fees.
Before credits & paid funds$257,957The complete starting cash picture.
Estimated remaining funds due at closing
$257,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,074.32
Your down payment$228,074.32
Closing costs + prepaids$29,883.11
Total buyer cash needed$257,957.43
Remaining funds due$257,957.43
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%)$11,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,604.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,872.50
Prepaid interest, first (28 days)$4,697.98
Fees + prepaids$29,883.11
Your down payment is the seller’s equity. You take over the $920,926 balance, so the rest of the $1,149,000 price is paid at closing. A second mortgage can cover part of it. $257,957.43 is due at closing. Uses and sources reconcile at $1,178,883.11 each. Not a Closing Disclosure.