Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$235,679Cash toward the purchase price.
Closing costs + prepaids$26,582Not just lender fees.
Before credits & paid funds$262,261The complete starting cash picture.
Estimated remaining funds due at closing
$262,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,679.11
Your down payment$235,679.11
Closing costs + prepaids$26,582.16
Total buyer cash needed$262,261.27
Remaining funds due$262,261.27
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%)$11,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,721.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,029.00
Prepaid interest, first (29 days)$2,813.56
Fees + prepaids$26,582.16
Your down payment is the seller’s equity. You take over the $944,321 balance, so the rest of the $1,180,000 price is paid at closing. A second mortgage can cover part of it. $262,261.27 is due at closing. Uses and sources reconcile at $1,206,582.16 each. Not a Closing Disclosure.