Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$949,891Cash toward the purchase price.
Closing costs + prepaids$19,868Not just lender fees.
Before credits & paid funds$969,759The complete starting cash picture.
Estimated remaining funds due at closing
$969,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$949,891.21
Your down payment$949,891.21
Closing costs + prepaids$19,867.74
Total buyer cash needed$969,758.94
Remaining funds due$969,758.94
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%)$10,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$425.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,587.50
Initial HOA (3 months)$69.00
Prepaid interest, first (24 days)$217.69
Fees + prepaids$19,867.74
Your down payment is the seller’s equity. You take over the $85,109 balance, so the rest of the $1,035,000 price is paid at closing. A second mortgage can cover part of it. $969,758.94 is due at closing. Uses and sources reconcile at $1,054,867.74 each. Not a Closing Disclosure.