Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$891,541Cash toward the purchase price.
Closing costs + prepaids$36,477Not just lender fees.
Before credits & paid funds$928,017The complete starting cash picture.
Estimated remaining funds due at closing
$928,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$891,540.84
Your down payment$891,540.84
Closing costs + prepaids$36,476.50
Total buyer cash needed$928,017.35
Remaining funds due$928,017.35
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%)$17,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,541.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,499.75
Initial HOA (3 months)$1,125.00
Prepaid interest, first (29 days)$2,092.96
Fees + prepaids$36,476.50
Your down payment is the seller’s equity. You take over the $908,359 balance, so the rest of the $1,799,900 price is paid at closing. A second mortgage can cover part of it. $928,017.35 is due at closing. Uses and sources reconcile at $1,836,376.50 each. Not a Closing Disclosure.