Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$173,123Cash toward the purchase price.
Closing costs + prepaids$31,246Not just lender fees.
Before credits & paid funds$204,369The complete starting cash picture.
Estimated remaining funds due at closing
$204,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,122.55
Your down payment$173,122.55
Closing costs + prepaids$31,246.26
Total buyer cash needed$204,368.81
Remaining funds due$204,368.81
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%)$13,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,884.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$567.50
Prepaid interest, first (24 days)$5,076.37
Fees + prepaids$31,246.26
Your down payment is the seller’s equity. You take over the $1,176,877 balance, so the rest of the $1,350,000 price is paid at closing. A second mortgage can cover part of it. $204,368.81 is due at closing. Uses and sources reconcile at $1,381,246.26 each. Not a Closing Disclosure.