Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$212,465Cash toward the purchase price.
Closing costs + prepaids$24,297Not just lender fees.
Before credits & paid funds$236,762The complete starting cash picture.
Estimated remaining funds due at closing
$236,762No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,465.39
Your down payment$212,465.39
Closing costs + prepaids$24,296.58
Total buyer cash needed$236,761.97
Remaining funds due$236,761.97
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%)$9,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,737.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,400.00
Prepaid interest, first (18 days)$2,340.91
Fees + prepaids$24,296.58
Your down payment is the seller’s equity. You take over the $747,535 balance, so the rest of the $960,000 price is paid at closing. A second mortgage can cover part of it. $236,761.97 is due at closing. Uses and sources reconcile at $984,296.58 each. Not a Closing Disclosure.