Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$903,324Cash toward the purchase price.
Closing costs + prepaids$26,746Not just lender fees.
Before credits & paid funds$930,069The complete starting cash picture.
Estimated remaining funds due at closing
$930,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$903,323.53
Your down payment$903,323.53
Closing costs + prepaids$26,745.91
Total buyer cash needed$930,069.43
Remaining funds due$930,069.43
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%)$14,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,728.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,269.00
Prepaid interest, first (24 days)$1,040.52
Fees + prepaids$26,745.91
Your down payment is the seller’s equity. You take over the $545,676 balance, so the rest of the $1,449,000 price is paid at closing. A second mortgage can cover part of it. $930,069.43 is due at closing. Uses and sources reconcile at $1,475,745.91 each. Not a Closing Disclosure.