Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$300,600Cash toward the purchase price.
Closing costs + prepaids$30,646Not just lender fees.
Before credits & paid funds$331,247The complete starting cash picture.
Estimated remaining funds due at closing
$331,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,600.37
Your down payment$300,600.37
Closing costs + prepaids$30,646.13
Total buyer cash needed$331,246.50
Remaining funds due$331,246.50
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%)$12,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,647.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,014.50
Initial HOA (3 months)$1,881.00
Prepaid interest, first (27 days)$4,585.63
Fees + prepaids$30,646.13
Your down payment is the seller’s equity. You take over the $929,400 balance, so the rest of the $1,230,000 price is paid at closing. A second mortgage can cover part of it. $331,246.50 is due at closing. Uses and sources reconcile at $1,260,646.13 each. Not a Closing Disclosure.