Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$803,029Cash toward the purchase price.
Closing costs + prepaids$22,469Not just lender fees.
Before credits & paid funds$825,497The complete starting cash picture.
Estimated remaining funds due at closing
$825,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$803,028.67
Your down payment$803,028.67
Closing costs + prepaids$22,468.70
Total buyer cash needed$825,497.36
Remaining funds due$825,497.36
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%)$11,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,959.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,291.00
Prepaid interest, first (26 days)$1,049.84
Fees + prepaids$22,468.70
Your down payment is the seller’s equity. You take over the $391,971 balance, so the rest of the $1,195,000 price is paid at closing. A second mortgage can cover part of it. $825,497.36 is due at closing. Uses and sources reconcile at $1,217,468.70 each. Not a Closing Disclosure.