Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$223,231Cash toward the purchase price.
Closing costs + prepaids$27,097Not just lender fees.
Before credits & paid funds$250,328The complete starting cash picture.
Estimated remaining funds due at closing
$250,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,230.99
Your down payment$223,230.99
Closing costs + prepaids$27,096.51
Total buyer cash needed$250,327.50
Remaining funds due$250,327.50
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%)$10,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,278.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,682.75
Prepaid interest, first (26 days)$4,126.92
Fees + prepaids$27,096.51
Your down payment is the seller’s equity. You take over the $855,769 balance, so the rest of the $1,079,000 price is paid at closing. A second mortgage can cover part of it. $250,327.50 is due at closing. Uses and sources reconcile at $1,106,096.51 each. Not a Closing Disclosure.