Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$905,524Cash toward the purchase price.
Closing costs + prepaids$24,044Not just lender fees.
Before credits & paid funds$929,568The complete starting cash picture.
Estimated remaining funds due at closing
$929,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$905,523.65
Your down payment$905,523.65
Closing costs + prepaids$24,044.04
Total buyer cash needed$929,567.69
Remaining funds due$929,567.69
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%)$13,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,222.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,188.75
Initial HOA (3 months)$62.49
Prepaid interest, first (25 days)$852.42
Fees + prepaids$24,044.04
Your down payment is the seller’s equity. You take over the $444,476 balance, so the rest of the $1,350,000 price is paid at closing. A second mortgage can cover part of it. $929,567.69 is due at closing. Uses and sources reconcile at $1,374,044.04 each. Not a Closing Disclosure.