Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$287,084Cash toward the purchase price.
Closing costs + prepaids$30,100Not just lender fees.
Before credits & paid funds$317,184The complete starting cash picture.
Estimated remaining funds due at closing
$317,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,084.45
Your down payment$287,084.45
Closing costs + prepaids$30,099.50
Total buyer cash needed$317,183.95
Remaining funds due$317,183.95
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%)$11,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,564.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,999.75
Initial HOA (3 months)$1,644.00
Prepaid interest, first (31 days)$2,674.67
Fees + prepaids$30,099.50
Your down payment is the seller’s equity. You take over the $912,816 balance, so the rest of the $1,199,900 price is paid at closing. A second mortgage can cover part of it. $317,183.95 is due at closing. Uses and sources reconcile at $1,229,999.50 each. Not a Closing Disclosure.