Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$842,803Cash toward the purchase price.
Closing costs + prepaids$35,951Not just lender fees.
Before credits & paid funds$878,754The complete starting cash picture.
Estimated remaining funds due at closing
$878,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$842,803.00
Your down payment$842,803.00
Closing costs + prepaids$35,950.85
Total buyer cash needed$878,753.85
Remaining funds due$878,753.85
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%)$17,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,780.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,497.50
Initial HOA (3 months)$465.00
Prepaid interest, first (24 days)$1,999.37
Fees + prepaids$35,950.85
Your down payment is the seller’s equity. You take over the $956,197 balance, so the rest of the $1,799,000 price is paid at closing. A second mortgage can cover part of it. $878,753.85 is due at closing. Uses and sources reconcile at $1,834,950.85 each. Not a Closing Disclosure.