Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$881,399Cash toward the purchase price.
Closing costs + prepaids$22,313Not just lender fees.
Before credits & paid funds$903,712The complete starting cash picture.
Estimated remaining funds due at closing
$903,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$881,398.63
Your down payment$881,398.63
Closing costs + prepaids$22,313.22
Total buyer cash needed$903,711.85
Remaining funds due$903,711.85
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%)$12,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,968.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$371.75
Prepaid interest, first (28 days)$1,005.46
Fees + prepaids$22,313.22
Your down payment is the seller’s equity. You take over the $393,601 balance, so the rest of the $1,275,000 price is paid at closing. A second mortgage can cover part of it. $903,711.85 is due at closing. Uses and sources reconcile at $1,297,313.22 each. Not a Closing Disclosure.