Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$819,843Cash toward the purchase price.
Closing costs + prepaids$26,632Not just lender fees.
Before credits & paid funds$846,475The complete starting cash picture.
Estimated remaining funds due at closing
$846,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$819,843.10
Your down payment$819,843.10
Closing costs + prepaids$26,631.76
Total buyer cash needed$846,474.85
Remaining funds due$846,474.85
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%)$13,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,695.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,769.00
Prepaid interest, first (23 days)$1,358.97
Fees + prepaids$26,631.76
Your down payment is the seller’s equity. You take over the $539,157 balance, so the rest of the $1,359,000 price is paid at closing. A second mortgage can cover part of it. $846,474.85 is due at closing. Uses and sources reconcile at $1,385,631.76 each. Not a Closing Disclosure.