Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$796,551Cash toward the purchase price.
Closing costs + prepaids$22,108Not just lender fees.
Before credits & paid funds$818,659The complete starting cash picture.
Estimated remaining funds due at closing
$818,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$796,550.79
Your down payment$796,550.79
Closing costs + prepaids$22,107.96
Total buyer cash needed$818,658.75
Remaining funds due$818,658.75
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%)$11,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,012.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$669.75
Initial HOA (3 months)$378.00
Prepaid interest, first (26 days)$839.96
Fees + prepaids$22,107.96
Your down payment is the seller’s equity. You take over the $402,449 balance, so the rest of the $1,199,000 price is paid at closing. A second mortgage can cover part of it. $818,658.75 is due at closing. Uses and sources reconcile at $1,221,107.96 each. Not a Closing Disclosure.