Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$243,871Cash toward the purchase price.
Closing costs + prepaids$24,388Not just lender fees.
Before credits & paid funds$268,259The complete starting cash picture.
Estimated remaining funds due at closing
$268,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,871.07
Your down payment$243,871.07
Closing costs + prepaids$24,388.15
Total buyer cash needed$268,259.22
Remaining funds due$268,259.22
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%)$11,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,405.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,256.50
Initial HOA (3 months)$50.01
Prepaid interest, first (18 days)$1,207.99
Fees + prepaids$24,388.15
Your down payment is the seller’s equity. You take over the $881,129 balance, so the rest of the $1,125,000 price is paid at closing. A second mortgage can cover part of it. $268,259.22 is due at closing. Uses and sources reconcile at $1,149,388.15 each. Not a Closing Disclosure.