Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$866,078Cash toward the purchase price.
Closing costs + prepaids$28,649Not just lender fees.
Before credits & paid funds$894,727The complete starting cash picture.
Estimated remaining funds due at closing
$894,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$866,078.39
Your down payment$866,078.39
Closing costs + prepaids$28,649.00
Total buyer cash needed$894,727.39
Remaining funds due$894,727.39
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%)$14,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,814.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,572.50
Initial HOA (3 months)$234.00
Prepaid interest, first (27 days)$1,519.89
Fees + prepaids$28,649.00
Your down payment is the seller’s equity. You take over the $562,922 balance, so the rest of the $1,429,000 price is paid at closing. A second mortgage can cover part of it. $894,727.39 is due at closing. Uses and sources reconcile at $1,457,649.00 each. Not a Closing Disclosure.