Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$900,186Cash toward the purchase price.
Closing costs + prepaids$27,676Not just lender fees.
Before credits & paid funds$927,862The complete starting cash picture.
Estimated remaining funds due at closing
$927,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$900,185.71
Your down payment$900,185.71
Closing costs + prepaids$27,676.09
Total buyer cash needed$927,861.80
Remaining funds due$927,861.80
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%)$14,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,624.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,109.50
Initial HOA (3 months)$387.51
Prepaid interest, first (28 days)$1,087.01
Fees + prepaids$27,676.09
Your down payment is the seller’s equity. You take over the $524,814 balance, so the rest of the $1,425,000 price is paid at closing. A second mortgage can cover part of it. $927,861.80 is due at closing. Uses and sources reconcile at $1,452,676.09 each. Not a Closing Disclosure.