Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$210,687Cash toward the purchase price.
Closing costs + prepaids$41,153Not just lender fees.
Before credits & paid funds$251,840The complete starting cash picture.
Estimated remaining funds due at closing
$251,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,687.40
Your down payment$210,687.40
Closing costs + prepaids$41,152.90
Total buyer cash needed$251,840.30
Remaining funds due$251,840.30
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%)$15,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,946.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,000.00
Prepaid interest, first (31 days)$7,988.35
Fees + prepaids$41,152.90
Your down payment is the seller’s equity. You take over the $1,389,312 balance, so the rest of the $1,599,999 price is paid at closing. A second mortgage can cover part of it. $251,840.30 is due at closing. Uses and sources reconcile at $1,641,151.90 each. Not a Closing Disclosure.