Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$122,548Cash toward the purchase price.
Closing costs + prepaids$27,228Not just lender fees.
Before credits & paid funds$149,775The complete starting cash picture.
Estimated remaining funds due at closing
$149,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,547.56
Your down payment$122,547.56
Closing costs + prepaids$27,227.60
Total buyer cash needed$149,775.16
Remaining funds due$149,775.16
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%)$12,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,562.26
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,482.00
Prepaid interest, first (10 days)$1,615.34
Fees + prepaids$27,227.60
Your down payment is the seller’s equity. You take over the $1,112,452 balance, so the rest of the $1,235,000 price is paid at closing. A second mortgage can cover part of it. $149,775.16 is due at closing. Uses and sources reconcile at $1,262,227.60 each. Not a Closing Disclosure.