Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$782,331Cash toward the purchase price.
Closing costs + prepaids$22,631Not just lender fees.
Before credits & paid funds$804,962The complete starting cash picture.
Estimated remaining funds due at closing
$804,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$782,330.81
Your down payment$782,330.81
Closing costs + prepaids$22,630.84
Total buyer cash needed$804,961.66
Remaining funds due$804,961.66
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,588.35
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,750.00
Initial HOA (3 months)$459.00
Prepaid interest, first (26 days)$615.49
Fees + prepaids$22,630.84
Your down payment is the seller’s equity. You take over the $317,669 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $804,961.66 is due at closing. Uses and sources reconcile at $1,122,630.84 each. Not a Closing Disclosure.