Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$211,198Cash toward the purchase price.
Closing costs + prepaids$22,894Not just lender fees.
Before credits & paid funds$234,092The complete starting cash picture.
Estimated remaining funds due at closing
$234,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,198.14
Your down payment$211,198.14
Closing costs + prepaids$22,894.21
Total buyer cash needed$234,092.35
Remaining funds due$234,092.35
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%)$4,319.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$895.50
Initial HOA (3 months)$396.00
Prepaid interest, first (2 days)$315.70
Fees + prepaids$22,894.21
Your down payment is the seller’s equity. You take over the $863,802 balance, so the rest of the $1,075,000 price is paid at closing. A second mortgage can cover part of it. $234,092.35 is due at closing. Uses and sources reconcile at $1,097,894.21 each. Not a Closing Disclosure.