Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$830,195Cash toward the purchase price.
Closing costs + prepaids$22,239Not just lender fees.
Before credits & paid funds$852,434The complete starting cash picture.
Estimated remaining funds due at closing
$852,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$830,195.43
Your down payment$830,195.43
Closing costs + prepaids$22,238.91
Total buyer cash needed$852,434.35
Remaining funds due$852,434.35
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,349.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,484.25
Initial HOA (3 months)$800.01
Prepaid interest, first (23 days)$387.63
Fees + prepaids$22,238.91
Your down payment is the seller’s equity. You take over the $269,805 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $852,434.35 is due at closing. Uses and sources reconcile at $1,122,238.91 each. Not a Closing Disclosure.