Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$906,495Cash toward the purchase price.
Closing costs + prepaids$29,714Not just lender fees.
Before credits & paid funds$936,209The complete starting cash picture.
Estimated remaining funds due at closing
$936,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$906,495.48
Your down payment$906,495.48
Closing costs + prepaids$29,713.69
Total buyer cash needed$936,209.17
Remaining funds due$936,209.17
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%)$14,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,892.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,712.50
Initial HOA (3 months)$1,071.00
Prepaid interest, first (23 days)$969.67
Fees + prepaids$29,713.69
Your down payment is the seller’s equity. You take over the $578,505 balance, so the rest of the $1,485,000 price is paid at closing. A second mortgage can cover part of it. $936,209.17 is due at closing. Uses and sources reconcile at $1,514,713.69 each. Not a Closing Disclosure.