Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$850,518Cash toward the purchase price.
Closing costs + prepaids$37,939Not just lender fees.
Before credits & paid funds$888,457The complete starting cash picture.
Estimated remaining funds due at closing
$888,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$850,518.24
Your down payment$850,518.24
Closing costs + prepaids$37,938.97
Total buyer cash needed$888,457.21
Remaining funds due$888,457.21
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%)$19,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,392.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,822.50
Prepaid interest, first (25 days)$2,216.06
Fees + prepaids$37,938.97
Your down payment is the seller’s equity. You take over the $1,078,482 balance, so the rest of the $1,929,000 price is paid at closing. A second mortgage can cover part of it. $888,457.21 is due at closing. Uses and sources reconcile at $1,966,938.97 each. Not a Closing Disclosure.