Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$801,490Cash toward the purchase price.
Closing costs + prepaids$21,416Not just lender fees.
Before credits & paid funds$822,906The complete starting cash picture.
Estimated remaining funds due at closing
$822,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$801,489.95
Your down payment$801,489.95
Closing costs + prepaids$21,415.56
Total buyer cash needed$822,905.52
Remaining funds due$822,905.52
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%)$11,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,737.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,378.75
Initial HOA (3 months)$99.99
Prepaid interest, first (12 days)$491.27
Fees + prepaids$21,415.56
Your down payment is the seller’s equity. You take over the $347,510 balance, so the rest of the $1,149,000 price is paid at closing. A second mortgage can cover part of it. $822,905.52 is due at closing. Uses and sources reconcile at $1,170,415.56 each. Not a Closing Disclosure.