Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$995,751Cash toward the purchase price.
Closing costs + prepaids$26,006Not just lender fees.
Before credits & paid funds$1,021,758The complete starting cash picture.
Estimated remaining funds due at closing
$1,021,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$995,751.15
Your down payment$995,751.15
Closing costs + prepaids$26,006.42
Total buyer cash needed$1,021,757.57
Remaining funds due$1,021,757.57
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%)$13,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,666.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,670.50
Initial HOA (3 months)$534.99
Prepaid interest, first (24 days)$626.69
Fees + prepaids$26,006.42
Your down payment is the seller’s equity. You take over the $333,249 balance, so the rest of the $1,329,000 price is paid at closing. A second mortgage can cover part of it. $1,021,757.57 is due at closing. Uses and sources reconcile at $1,355,006.42 each. Not a Closing Disclosure.