Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$867,343Cash toward the purchase price.
Closing costs + prepaids$25,365Not just lender fees.
Before credits & paid funds$892,707The complete starting cash picture.
Estimated remaining funds due at closing
$892,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$867,342.88
Your down payment$867,342.88
Closing costs + prepaids$25,364.58
Total buyer cash needed$892,707.47
Remaining funds due$892,707.47
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%)$13,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,413.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,620.00
Initial HOA (3 months)$1,023.00
Prepaid interest, first (12 days)$590.30
Fees + prepaids$25,364.58
Your down payment is the seller’s equity. You take over the $482,657 balance, so the rest of the $1,350,000 price is paid at closing. A second mortgage can cover part of it. $892,707.47 is due at closing. Uses and sources reconcile at $1,375,364.58 each. Not a Closing Disclosure.