Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$765,097Cash toward the purchase price.
Closing costs + prepaids$20,646Not just lender fees.
Before credits & paid funds$785,744The complete starting cash picture.
Estimated remaining funds due at closing
$785,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$765,097.33
Your down payment$765,097.33
Closing costs + prepaids$20,646.33
Total buyer cash needed$785,743.66
Remaining funds due$785,743.66
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,674.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,320.00
Prepaid interest, first (12 days)$433.81
Fees + prepaids$20,646.33
Your down payment is the seller’s equity. You take over the $334,903 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $785,743.66 is due at closing. Uses and sources reconcile at $1,120,646.33 each. Not a Closing Disclosure.