Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$37,095Cash toward the purchase price.
Closing costs + prepaids$33,278Not just lender fees.
Before credits & paid funds$70,374The complete starting cash picture.
Estimated remaining funds due at closing
$70,374No 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$33,278.37
Total buyer cash needed$70,373.61
Remaining funds due$70,373.61
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)$698.75
Prepaid interest, first (31 days)$7,347.10
Fees + prepaids$33,278.37
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. $70,373.61 is due at closing. Uses and sources reconcile at $1,313,278.37 each. Not a Closing Disclosure.