Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$844,216Cash toward the purchase price.
Closing costs + prepaids$27,546Not just lender fees.
Before credits & paid funds$871,762The complete starting cash picture.
Estimated remaining funds due at closing
$871,762No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$844,215.86
Your down payment$844,215.86
Closing costs + prepaids$27,545.92
Total buyer cash needed$871,761.78
Remaining funds due$871,761.78
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%)$15,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,528.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$154.25
Initial HOA (3 months)$855.00
Prepaid interest, first (23 days)$1,289.75
Fees + prepaids$27,545.92
Your down payment is the seller’s equity. You take over the $705,784 balance, so the rest of the $1,550,000 price is paid at closing. A second mortgage can cover part of it. $871,761.78 is due at closing. Uses and sources reconcile at $1,577,545.92 each. Not a Closing Disclosure.