Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$872,419Cash toward the purchase price.
Closing costs + prepaids$25,124Not just lender fees.
Before credits & paid funds$897,543The complete starting cash picture.
Estimated remaining funds due at closing
$897,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$872,418.92
Your down payment$872,418.92
Closing costs + prepaids$25,123.67
Total buyer cash needed$897,542.59
Remaining funds due$897,542.59
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%)$12,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,777.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,070.00
Initial HOA (3 months)$1,014.00
Prepaid interest, first (28 days)$763.77
Fees + prepaids$25,123.67
Your down payment is the seller’s equity. You take over the $355,581 balance, so the rest of the $1,228,000 price is paid at closing. A second mortgage can cover part of it. $897,542.59 is due at closing. Uses and sources reconcile at $1,253,123.67 each. Not a Closing Disclosure.