Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$950,778Cash toward the purchase price.
Closing costs + prepaids$30,306Not just lender fees.
Before credits & paid funds$981,084The complete starting cash picture.
Estimated remaining funds due at closing
$981,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$950,778.06
Your down payment$950,778.06
Closing costs + prepaids$30,305.96
Total buyer cash needed$981,084.02
Remaining funds due$981,084.02
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%)$15,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,991.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,872.50
Prepaid interest, first (26 days)$1,734.35
Fees + prepaids$30,305.96
Your down payment is the seller’s equity. You take over the $598,222 balance, so the rest of the $1,549,000 price is paid at closing. A second mortgage can cover part of it. $981,084.02 is due at closing. Uses and sources reconcile at $1,579,305.96 each. Not a Closing Disclosure.