Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$258,494Cash toward the purchase price.
Closing costs + prepaids$27,481Not just lender fees.
Before credits & paid funds$285,976The complete starting cash picture.
Estimated remaining funds due at closing
$285,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,494.34
Your down payment$258,494.34
Closing costs + prepaids$27,481.47
Total buyer cash needed$285,975.81
Remaining funds due$285,975.81
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%)$10,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,952.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,863.50
Prepaid interest, first (30 days)$4,957.45
Fees + prepaids$27,481.47
Your down payment is the seller’s equity. You take over the $790,506 balance, so the rest of the $1,049,000 price is paid at closing. A second mortgage can cover part of it. $285,975.81 is due at closing. Uses and sources reconcile at $1,076,481.47 each. Not a Closing Disclosure.