Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$878,138Cash toward the purchase price.
Closing costs + prepaids$23,506Not just lender fees.
Before credits & paid funds$901,644The complete starting cash picture.
Estimated remaining funds due at closing
$901,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$878,137.88
Your down payment$878,137.88
Closing costs + prepaids$23,506.24
Total buyer cash needed$901,644.12
Remaining funds due$901,644.12
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%)$13,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,354.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$503.50
Prepaid interest, first (27 days)$940.43
Fees + prepaids$23,506.24
Your down payment is the seller’s equity. You take over the $470,862 balance, so the rest of the $1,349,000 price is paid at closing. A second mortgage can cover part of it. $901,644.12 is due at closing. Uses and sources reconcile at $1,372,506.24 each. Not a Closing Disclosure.