Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$839,654Cash toward the purchase price.
Closing costs + prepaids$37,027Not just lender fees.
Before credits & paid funds$876,682The complete starting cash picture.
Estimated remaining funds due at closing
$876,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$839,654.29
Your down payment$839,654.29
Closing costs + prepaids$37,027.29
Total buyer cash needed$876,681.58
Remaining funds due$876,681.58
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%)$18,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,296.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,747.50
Prepaid interest, first (22 days)$1,775.06
Fees + prepaids$37,027.29
Your down payment is the seller’s equity. You take over the $1,059,346 balance, so the rest of the $1,899,000 price is paid at closing. A second mortgage can cover part of it. $876,681.58 is due at closing. Uses and sources reconcile at $1,936,027.29 each. Not a Closing Disclosure.