Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$783,837Cash toward the purchase price.
Closing costs + prepaids$27,370Not just lender fees.
Before credits & paid funds$811,207The complete starting cash picture.
Estimated remaining funds due at closing
$811,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$783,836.60
Your down payment$783,836.60
Closing costs + prepaids$27,369.92
Total buyer cash needed$811,206.52
Remaining funds due$811,206.52
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%)$13,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,055.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,259.75
Initial HOA (3 months)$1,625.01
Prepaid interest, first (27 days)$1,261.34
Fees + prepaids$27,369.92
Your down payment is the seller’s equity. You take over the $611,163 balance, so the rest of the $1,395,000 price is paid at closing. A second mortgage can cover part of it. $811,206.52 is due at closing. Uses and sources reconcile at $1,422,369.92 each. Not a Closing Disclosure.