Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$274,143Cash toward the purchase price.
Closing costs + prepaids$26,322Not just lender fees.
Before credits & paid funds$300,465The complete starting cash picture.
Estimated remaining funds due at closing
$300,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,143.09
Your down payment$274,143.09
Closing costs + prepaids$26,322.10
Total buyer cash needed$300,465.19
Remaining funds due$300,465.19
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%)$10,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,779.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,575.00
Prepaid interest, first (27 days)$3,449.81
Fees + prepaids$26,322.10
Your down payment is the seller’s equity. You take over the $755,857 balance, so the rest of the $1,030,000 price is paid at closing. A second mortgage can cover part of it. $300,465.19 is due at closing. Uses and sources reconcile at $1,056,322.10 each. Not a Closing Disclosure.