Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$200,674Cash toward the purchase price.
Closing costs + prepaids$26,197Not just lender fees.
Before credits & paid funds$226,871The complete starting cash picture.
Estimated remaining funds due at closing
$226,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,674.10
Your down payment$200,674.10
Closing costs + prepaids$26,197.03
Total buyer cash needed$226,871.13
Remaining funds due$226,871.13
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%)$12,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,246.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,165.00
Initial HOA (3 months)$682.74
Prepaid interest, first (2 days)$384.66
Fees + prepaids$26,197.03
Your down payment is the seller’s equity. You take over the $1,049,326 balance, so the rest of the $1,250,000 price is paid at closing. A second mortgage can cover part of it. $226,871.13 is due at closing. Uses and sources reconcile at $1,276,197.03 each. Not a Closing Disclosure.