Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$218,426Cash toward the purchase price.
Closing costs + prepaids$34,378Not just lender fees.
Before credits & paid funds$252,804The complete starting cash picture.
Estimated remaining funds due at closing
$252,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,426.14
Your down payment$218,426.14
Closing costs + prepaids$34,378.09
Total buyer cash needed$252,804.23
Remaining funds due$252,804.23
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%)$13,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,652.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,425.75
Initial HOA (3 months)$14.01
Prepaid interest, first (31 days)$6,577.46
Fees + prepaids$34,378.09
Your down payment is the seller’s equity. You take over the $1,130,574 balance, so the rest of the $1,349,000 price is paid at closing. A second mortgage can cover part of it. $252,804.23 is due at closing. Uses and sources reconcile at $1,383,378.09 each. Not a Closing Disclosure.