Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$792,078Cash toward the purchase price.
Closing costs + prepaids$30,978Not just lender fees.
Before credits & paid funds$823,057The complete starting cash picture.
Estimated remaining funds due at closing
$823,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$792,078.33
Your down payment$792,078.33
Closing costs + prepaids$30,978.23
Total buyer cash needed$823,056.56
Remaining funds due$823,056.56
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%)$13,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,014.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,487.50
Initial HOA (3 months)$1,611.00
Prepaid interest, first (26 days)$2,697.12
Fees + prepaids$30,978.23
Your down payment is the seller’s equity. You take over the $602,922 balance, so the rest of the $1,395,000 price is paid at closing. A second mortgage can cover part of it. $823,056.56 is due at closing. Uses and sources reconcile at $1,425,978.23 each. Not a Closing Disclosure.