Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$822,586Cash toward the purchase price.
Closing costs + prepaids$21,632Not just lender fees.
Before credits & paid funds$844,218The complete starting cash picture.
Estimated remaining funds due at closing
$844,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$822,585.70
Your down payment$822,585.70
Closing costs + prepaids$21,632.04
Total buyer cash needed$844,217.74
Remaining funds due$844,217.74
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%)$11,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,587.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,610.00
Initial HOA (3 months)$75.00
Prepaid interest, first (27 days)$741.97
Fees + prepaids$21,632.04
Your down payment is the seller’s equity. You take over the $317,414 balance, so the rest of the $1,140,000 price is paid at closing. A second mortgage can cover part of it. $844,217.74 is due at closing. Uses and sources reconcile at $1,161,632.04 each. Not a Closing Disclosure.