Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$839,211Cash toward the purchase price.
Closing costs + prepaids$30,217Not just lender fees.
Before credits & paid funds$869,429The complete starting cash picture.
Estimated remaining funds due at closing
$869,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$839,211.34
Your down payment$839,211.34
Closing costs + prepaids$30,217.39
Total buyer cash needed$869,428.73
Remaining funds due$869,428.73
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%)$15,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,798.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,932.75
Prepaid interest, first (22 days)$1,277.69
Fees + prepaids$30,217.39
Your down payment is the seller’s equity. You take over the $759,789 balance, so the rest of the $1,599,000 price is paid at closing. A second mortgage can cover part of it. $869,428.73 is due at closing. Uses and sources reconcile at $1,629,217.39 each. Not a Closing Disclosure.