Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$828,968Cash toward the purchase price.
Closing costs + prepaids$20,819Not just lender fees.
Before credits & paid funds$849,787The complete starting cash picture.
Estimated remaining funds due at closing
$849,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$828,968.48
Your down payment$828,968.48
Closing costs + prepaids$20,818.71
Total buyer cash needed$849,787.20
Remaining funds due$849,787.20
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%)$11,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,600.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$776.50
Prepaid interest, first (28 days)$734.06
Fees + prepaids$20,818.71
Your down payment is the seller’s equity. You take over the $320,032 balance, so the rest of the $1,149,000 price is paid at closing. A second mortgage can cover part of it. $849,787.20 is due at closing. Uses and sources reconcile at $1,169,818.71 each. Not a Closing Disclosure.