Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$926,013Cash toward the purchase price.
Closing costs + prepaids$27,443Not just lender fees.
Before credits & paid funds$953,456The complete starting cash picture.
Estimated remaining funds due at closing
$953,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$926,013.09
Your down payment$926,013.09
Closing costs + prepaids$27,443.05
Total buyer cash needed$953,456.14
Remaining funds due$953,456.14
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%)$15,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,014.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,715.75
Initial HOA (3 months)$62.49
Prepaid interest, first (24 days)$1,141.88
Fees + prepaids$27,443.05
Your down payment is the seller’s equity. You take over the $602,987 balance, so the rest of the $1,529,000 price is paid at closing. A second mortgage can cover part of it. $953,456.14 is due at closing. Uses and sources reconcile at $1,556,443.05 each. Not a Closing Disclosure.