Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$784,945Cash toward the purchase price.
Closing costs + prepaids$24,147Not just lender fees.
Before credits & paid funds$809,091The complete starting cash picture.
Estimated remaining funds due at closing
$809,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$784,944.87
Your down payment$784,944.87
Closing costs + prepaids$24,146.60
Total buyer cash needed$809,091.47
Remaining funds due$809,091.47
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%)$11,999.49
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,075.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,999.75
Prepaid interest, first (26 days)$854.34
Fees + prepaids$24,146.60
Your down payment is the seller’s equity. You take over the $415,004 balance, so the rest of the $1,199,949 price is paid at closing. A second mortgage can cover part of it. $809,091.47 is due at closing. Uses and sources reconcile at $1,224,095.60 each. Not a Closing Disclosure.