Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$873,622Cash toward the purchase price.
Closing costs + prepaids$35,511Not just lender fees.
Before credits & paid funds$909,133The complete starting cash picture.
Estimated remaining funds due at closing
$909,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$873,622.29
Your down payment$873,622.29
Closing costs + prepaids$35,510.92
Total buyer cash needed$909,133.21
Remaining funds due$909,133.21
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%)$19,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,231.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,407.50
Initial HOA (3 months)$300.00
Prepaid interest, first (24 days)$2,153.53
Fees + prepaids$35,510.92
Your down payment is the seller’s equity. You take over the $1,046,378 balance, so the rest of the $1,920,000 price is paid at closing. A second mortgage can cover part of it. $909,133.21 is due at closing. Uses and sources reconcile at $1,955,510.92 each. Not a Closing Disclosure.