Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$842,735Cash toward the purchase price.
Closing costs + prepaids$30,198Not just lender fees.
Before credits & paid funds$872,933The complete starting cash picture.
Estimated remaining funds due at closing
$872,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$842,735.19
Your down payment$842,735.19
Closing costs + prepaids$30,198.13
Total buyer cash needed$872,933.32
Remaining funds due$872,933.32
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%)$14,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,261.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,737.50
Initial HOA (3 months)$255.00
Prepaid interest, first (28 days)$1,776.30
Fees + prepaids$30,198.13
Your down payment is the seller’s equity. You take over the $652,265 balance, so the rest of the $1,495,000 price is paid at closing. A second mortgage can cover part of it. $872,933.32 is due at closing. Uses and sources reconcile at $1,525,198.13 each. Not a Closing Disclosure.