Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$960,920Cash toward the purchase price.
Closing costs + prepaids$19,477Not just lender fees.
Before credits & paid funds$980,397The complete starting cash picture.
Estimated remaining funds due at closing
$980,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$960,920.09
Your down payment$960,920.09
Closing costs + prepaids$19,477.01
Total buyer cash needed$980,397.10
Remaining funds due$980,397.10
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%)$11,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$845.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$734.50
Prepaid interest, first (22 days)$379.11
Fees + prepaids$19,477.01
Your down payment is the seller’s equity. You take over the $169,080 balance, so the rest of the $1,130,000 price is paid at closing. A second mortgage can cover part of it. $980,397.10 is due at closing. Uses and sources reconcile at $1,149,477.01 each. Not a Closing Disclosure.