Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$212,179Cash toward the purchase price.
Closing costs + prepaids$25,806Not just lender fees.
Before credits & paid funds$237,986The complete starting cash picture.
Estimated remaining funds due at closing
$237,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,179.42
Your down payment$212,179.42
Closing costs + prepaids$25,806.19
Total buyer cash needed$237,985.61
Remaining funds due$237,985.61
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%)$4,314.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,290.00
Initial HOA (3 months)$396.00
Prepaid interest, first (18 days)$2,838.09
Fees + prepaids$25,806.19
Your down payment is the seller’s equity. You take over the $862,821 balance, so the rest of the $1,075,000 price is paid at closing. A second mortgage can cover part of it. $237,985.61 is due at closing. Uses and sources reconcile at $1,100,806.19 each. Not a Closing Disclosure.