Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$175,764Cash toward the purchase price.
Closing costs + prepaids$33,456Not just lender fees.
Before credits & paid funds$209,221The complete starting cash picture.
Estimated remaining funds due at closing
$209,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,764.22
Your down payment$175,764.22
Closing costs + prepaids$33,456.44
Total buyer cash needed$209,220.66
Remaining funds due$209,220.66
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%)$5,616.18
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 (26 days)$5,384.76
Fees + prepaids$33,456.44
Your down payment is the seller’s equity. You take over the $1,123,236 balance, so the rest of the $1,299,000 price is paid at closing. A second mortgage can cover part of it. $209,220.66 is due at closing. Uses and sources reconcile at $1,332,456.44 each. Not a Closing Disclosure.