Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$799,705Cash toward the purchase price.
Closing costs + prepaids$51,292Not just lender fees.
Before credits & paid funds$850,997The complete starting cash picture.
Estimated remaining funds due at closing
$850,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$799,704.89
Your down payment$799,704.89
Closing costs + prepaids$51,292.17
Total buyer cash needed$850,997.06
Remaining funds due$850,997.06
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%)$23,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,846.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,922.50
Initial HOA (3 months)$528.00
Prepaid interest, first (26 days)$7,087.19
Fees + prepaids$51,292.17
Your down payment is the seller’s equity. You take over the $1,569,295 balance, so the rest of the $2,369,000 price is paid at closing. A second mortgage can cover part of it. $850,997.06 is due at closing. Uses and sources reconcile at $2,420,292.17 each. Not a Closing Disclosure.