Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$896,653Cash toward the purchase price.
Closing costs + prepaids$38,894Not just lender fees.
Before credits & paid funds$935,547The complete starting cash picture.
Estimated remaining funds due at closing
$935,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$896,653.12
Your down payment$896,653.12
Closing costs + prepaids$38,893.65
Total buyer cash needed$935,546.77
Remaining funds due$935,546.77
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%)$18,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,011.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,747.50
Initial HOA (3 months)$1,155.00
Prepaid interest, first (29 days)$2,771.42
Fees + prepaids$38,893.65
Your down payment is the seller’s equity. You take over the $1,002,347 balance, so the rest of the $1,899,000 price is paid at closing. A second mortgage can cover part of it. $935,546.77 is due at closing. Uses and sources reconcile at $1,937,893.65 each. Not a Closing Disclosure.