Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,113,623Cash toward the purchase price.
Closing costs + prepaids$21,304Not just lender fees.
Before credits & paid funds$1,134,927The complete starting cash picture.
Estimated remaining funds due at closing
$1,134,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,113,622.78
Your down payment$1,113,622.78
Closing costs + prepaids$21,303.97
Total buyer cash needed$1,134,926.75
Remaining funds due$1,134,926.75
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%)$13,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$931.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$508.25
Prepaid interest, first (31 days)$645.84
Fees + prepaids$21,303.97
Your down payment is the seller’s equity. You take over the $186,377 balance, so the rest of the $1,300,000 price is paid at closing. A second mortgage can cover part of it. $1,134,926.75 is due at closing. Uses and sources reconcile at $1,321,303.97 each. Not a Closing Disclosure.