Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$276,204Cash toward the purchase price.
Closing costs + prepaids$27,025Not just lender fees.
Before credits & paid funds$303,228The complete starting cash picture.
Estimated remaining funds due at closing
$303,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,203.64
Your down payment$276,203.64
Closing costs + prepaids$27,024.60
Total buyer cash needed$303,228.24
Remaining funds due$303,228.24
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%)$10,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,993.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,196.50
Initial HOA (3 months)$47.49
Prepaid interest, first (30 days)$1,818.63
Fees + prepaids$27,024.60
Your down payment is the seller’s equity. You take over the $798,796 balance, so the rest of the $1,075,000 price is paid at closing. A second mortgage can cover part of it. $303,228.24 is due at closing. Uses and sources reconcile at $1,102,024.60 each. Not a Closing Disclosure.