Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$35,929Cash toward the purchase price.
Closing costs + prepaids$26,174Not just lender fees.
Before credits & paid funds$62,103The complete starting cash picture.
Estimated remaining funds due at closing
$62,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,928.73
Your down payment$35,928.73
Closing costs + prepaids$26,174.33
Total buyer cash needed$62,103.06
Remaining funds due$62,103.06
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%)$6,220.36
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 (1 days)$237.23
Fees + prepaids$26,174.33
Your down payment is the seller’s equity. You take over the $1,244,071 balance, so the rest of the $1,280,000 price is paid at closing. A second mortgage can cover part of it. $62,103.06 is due at closing. Uses and sources reconcile at $1,306,174.33 each. Not a Closing Disclosure.