Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$863,578Cash toward the purchase price.
Closing costs + prepaids$25,832Not just lender fees.
Before credits & paid funds$889,410The complete starting cash picture.
Estimated remaining funds due at closing
$889,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$863,578.30
Your down payment$863,578.30
Closing costs + prepaids$25,831.90
Total buyer cash needed$889,410.20
Remaining funds due$889,410.20
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%)$12,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,182.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,250.00
Prepaid interest, first (28 days)$1,181.80
Fees + prepaids$25,831.90
Your down payment is the seller’s equity. You take over the $436,421 balance, so the rest of the $1,299,999 price is paid at closing. A second mortgage can cover part of it. $889,410.20 is due at closing. Uses and sources reconcile at $1,325,830.90 each. Not a Closing Disclosure.