Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$806,153Cash toward the purchase price.
Closing costs + prepaids$22,737Not just lender fees.
Before credits & paid funds$828,891The complete starting cash picture.
Estimated remaining funds due at closing
$828,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$806,153.31
Your down payment$806,153.31
Closing costs + prepaids$22,737.43
Total buyer cash needed$828,890.74
Remaining funds due$828,890.74
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%)$12,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,214.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$796.75
Initial HOA (3 months)$75.00
Prepaid interest, first (27 days)$943.45
Fees + prepaids$22,737.43
Your down payment is the seller’s equity. You take over the $442,847 balance, so the rest of the $1,249,000 price is paid at closing. A second mortgage can cover part of it. $828,890.74 is due at closing. Uses and sources reconcile at $1,271,737.43 each. Not a Closing Disclosure.