Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$845,878Cash toward the purchase price.
Closing costs + prepaids$20,652Not just lender fees.
Before credits & paid funds$866,529The complete starting cash picture.
Estimated remaining funds due at closing
$866,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$845,877.63
Your down payment$845,877.63
Closing costs + prepaids$20,651.50
Total buyer cash needed$866,529.13
Remaining funds due$866,529.13
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%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,520.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$582.00
Initial HOA (3 months)$75.00
Prepaid interest, first (27 days)$755.89
Fees + prepaids$20,651.50
Your down payment is the seller’s equity. You take over the $304,122 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $866,529.13 is due at closing. Uses and sources reconcile at $1,170,651.50 each. Not a Closing Disclosure.