Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$848,257Cash toward the purchase price.
Closing costs + prepaids$28,645Not just lender fees.
Before credits & paid funds$876,901The complete starting cash picture.
Estimated remaining funds due at closing
$876,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$848,256.59
Your down payment$848,256.59
Closing costs + prepaids$28,644.91
Total buyer cash needed$876,901.50
Remaining funds due$876,901.50
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%)$14,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,008.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,388.00
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$1,230.19
Fees + prepaids$28,644.91
Your down payment is the seller’s equity. You take over the $601,743 balance, so the rest of the $1,450,000 price is paid at closing. A second mortgage can cover part of it. $876,901.50 is due at closing. Uses and sources reconcile at $1,478,644.91 each. Not a Closing Disclosure.