Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$789,627Cash toward the purchase price.
Closing costs + prepaids$25,226Not just lender fees.
Before credits & paid funds$814,853The complete starting cash picture.
Estimated remaining funds due at closing
$814,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$789,627.46
Your down payment$789,627.46
Closing costs + prepaids$25,225.83
Total buyer cash needed$814,853.28
Remaining funds due$814,853.28
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%)$12,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,301.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,124.75
Prepaid interest, first (27 days)$1,082.71
Fees + prepaids$25,225.83
Your down payment is the seller’s equity. You take over the $460,273 balance, so the rest of the $1,249,900 price is paid at closing. A second mortgage can cover part of it. $814,853.28 is due at closing. Uses and sources reconcile at $1,275,125.83 each. Not a Closing Disclosure.