Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$928,577Cash toward the purchase price.
Closing costs + prepaids$24,759Not just lender fees.
Before credits & paid funds$953,335The complete starting cash picture.
Estimated remaining funds due at closing
$953,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$928,576.79
Your down payment$928,576.79
Closing costs + prepaids$24,758.66
Total buyer cash needed$953,335.45
Remaining funds due$953,335.45
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%)$13,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,182.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,672.25
Prepaid interest, first (27 days)$1,036.30
Fees + prepaids$24,758.66
Your down payment is the seller’s equity. You take over the $436,423 balance, so the rest of the $1,365,000 price is paid at closing. A second mortgage can cover part of it. $953,335.45 is due at closing. Uses and sources reconcile at $1,389,758.66 each. Not a Closing Disclosure.