Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$192,968Cash toward the purchase price.
Closing costs + prepaids$27,000Not just lender fees.
Before credits & paid funds$219,967The complete starting cash picture.
Estimated remaining funds due at closing
$219,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,967.76
Your down payment$192,967.76
Closing costs + prepaids$26,999.58
Total buyer cash needed$219,967.34
Remaining funds due$219,967.34
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%)$13,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,935.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$786.25
Prepaid interest, first (2 days)$260.17
Fees + prepaids$26,999.58
Your down payment is the seller’s equity. You take over the $1,187,032 balance, so the rest of the $1,380,000 price is paid at closing. A second mortgage can cover part of it. $219,967.34 is due at closing. Uses and sources reconcile at $1,406,999.58 each. Not a Closing Disclosure.