Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$766,676Cash toward the purchase price.
Closing costs + prepaids$20,161Not just lender fees.
Before credits & paid funds$786,836The complete starting cash picture.
Estimated remaining funds due at closing
$786,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$766,675.80
Your down payment$766,675.80
Closing costs + prepaids$20,160.61
Total buyer cash needed$786,836.41
Remaining funds due$786,836.41
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%)$9,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,116.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,475.00
Prepaid interest, first (27 days)$450.99
Fees + prepaids$20,160.61
Your down payment is the seller’s equity. You take over the $223,324 balance, so the rest of the $990,000 price is paid at closing. A second mortgage can cover part of it. $786,836.41 is due at closing. Uses and sources reconcile at $1,010,160.61 each. Not a Closing Disclosure.