Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$173,123Cash toward the purchase price.
Closing costs + prepaids$28,491Not just lender fees.
Before credits & paid funds$201,614The complete starting cash picture.
Estimated remaining funds due at closing
$201,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,122.55
Your down payment$173,122.55
Closing costs + prepaids$28,491.48
Total buyer cash needed$201,614.03
Remaining funds due$201,614.03
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%)$13,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,884.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,620.00
Prepaid interest, first (6 days)$1,269.09
Fees + prepaids$28,491.48
Your down payment is the seller’s equity. You take over the $1,176,877 balance, so the rest of the $1,350,000 price is paid at closing. A second mortgage can cover part of it. $201,614.03 is due at closing. Uses and sources reconcile at $1,378,491.48 each. Not a Closing Disclosure.