Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$784,618Cash toward the purchase price.
Closing costs + prepaids$40,608Not just lender fees.
Before credits & paid funds$825,226The complete starting cash picture.
Estimated remaining funds due at closing
$825,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$784,618.08
Your down payment$784,618.08
Closing costs + prepaids$40,607.69
Total buyer cash needed$825,225.78
Remaining funds due$825,225.78
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%)$20,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,571.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$935.75
Prepaid interest, first (27 days)$5,892.03
Fees + prepaids$40,607.69
Your down payment is the seller’s equity. You take over the $1,314,382 balance, so the rest of the $2,099,000 price is paid at closing. A second mortgage can cover part of it. $825,225.78 is due at closing. Uses and sources reconcile at $2,139,607.69 each. Not a Closing Disclosure.