Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$37,095Cash toward the purchase price.
Closing costs + prepaids$29,139Not just lender fees.
Before credits & paid funds$66,234The complete starting cash picture.
Estimated remaining funds due at closing
$66,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,095.24
Your down payment$37,095.24
Closing costs + prepaids$29,138.56
Total buyer cash needed$66,233.79
Remaining funds due$66,233.79
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%)$12,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,214.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,536.00
Prepaid interest, first (10 days)$2,370.03
Fees + prepaids$29,138.56
Your down payment is the seller’s equity. You take over the $1,242,905 balance, so the rest of the $1,280,000 price is paid at closing. A second mortgage can cover part of it. $66,233.79 is due at closing. Uses and sources reconcile at $1,309,138.56 each. Not a Closing Disclosure.