Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$867,565Cash toward the purchase price.
Closing costs + prepaids$31,873Not just lender fees.
Before credits & paid funds$899,437The complete starting cash picture.
Estimated remaining funds due at closing
$899,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$867,564.65
Your down payment$867,564.65
Closing costs + prepaids$31,872.56
Total buyer cash needed$899,437.21
Remaining funds due$899,437.21
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%)$16,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,887.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$880.25
Prepaid interest, first (31 days)$4,437.13
Fees + prepaids$31,872.56
Your down payment is the seller’s equity. You take over the $777,435 balance, so the rest of the $1,645,000 price is paid at closing. A second mortgage can cover part of it. $899,437.21 is due at closing. Uses and sources reconcile at $1,676,872.56 each. Not a Closing Disclosure.