Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$827,130Cash toward the purchase price.
Closing costs + prepaids$28,746Not just lender fees.
Before credits & paid funds$855,876The complete starting cash picture.
Estimated remaining funds due at closing
$855,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$827,130.41
Your down payment$827,130.41
Closing costs + prepaids$28,745.88
Total buyer cash needed$855,876.28
Remaining funds due$855,876.28
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%)$14,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,189.35
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,024.75
Initial HOA (3 months)$1,034.01
Prepaid interest, first (24 days)$2,629.77
Fees + prepaids$28,745.88
Your down payment is the seller’s equity. You take over the $637,870 balance, so the rest of the $1,465,000 price is paid at closing. A second mortgage can cover part of it. $855,876.28 is due at closing. Uses and sources reconcile at $1,493,745.88 each. Not a Closing Disclosure.