Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$810,135Cash toward the purchase price.
Closing costs + prepaids$26,131Not just lender fees.
Before credits & paid funds$836,266The complete starting cash picture.
Estimated remaining funds due at closing
$836,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$810,134.89
Your down payment$810,134.89
Closing costs + prepaids$26,130.65
Total buyer cash needed$836,265.54
Remaining funds due$836,265.54
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%)$14,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,199.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,740.00
Prepaid interest, first (12 days)$473.32
Fees + prepaids$26,130.65
Your down payment is the seller’s equity. You take over the $639,865 balance, so the rest of the $1,450,000 price is paid at closing. A second mortgage can cover part of it. $836,265.54 is due at closing. Uses and sources reconcile at $1,476,130.65 each. Not a Closing Disclosure.