Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,186,697Cash toward the purchase price.
Closing costs + prepaids$22,646Not just lender fees.
Before credits & paid funds$1,209,344The complete starting cash picture.
Estimated remaining funds due at closing
$1,209,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,186,697.29
Your down payment$1,186,697.29
Closing costs + prepaids$22,646.36
Total buyer cash needed$1,209,343.65
Remaining funds due$1,209,343.65
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%)$13,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,066.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$829.25
Prepaid interest, first (31 days)$532.61
Fees + prepaids$22,646.36
Your down payment is the seller’s equity. You take over the $213,302 balance, so the rest of the $1,399,999 price is paid at closing. A second mortgage can cover part of it. $1,209,343.65 is due at closing. Uses and sources reconcile at $1,422,645.36 each. Not a Closing Disclosure.