Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$969,973Cash toward the purchase price.
Closing costs + prepaids$19,492Not just lender fees.
Before credits & paid funds$989,465The complete starting cash picture.
Estimated remaining funds due at closing
$989,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$969,972.99
Your down payment$969,972.99
Closing costs + prepaids$19,491.58
Total buyer cash needed$989,464.56
Remaining funds due$989,464.56
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%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$900.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$534.25
Prepaid interest, first (23 days)$339.19
Fees + prepaids$19,491.58
Your down payment is the seller’s equity. You take over the $180,027 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $989,464.56 is due at closing. Uses and sources reconcile at $1,169,491.58 each. Not a Closing Disclosure.