Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$815,386Cash toward the purchase price.
Closing costs + prepaids$23,400Not just lender fees.
Before credits & paid funds$838,786The complete starting cash picture.
Estimated remaining funds due at closing
$838,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$815,386.34
Your down payment$815,386.34
Closing costs + prepaids$23,399.95
Total buyer cash needed$838,786.28
Remaining funds due$838,786.28
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%)$12,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,422.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$682.50
Prepaid interest, first (29 days)$1,077.88
Fees + prepaids$23,399.95
Your down payment is the seller’s equity. You take over the $484,514 balance, so the rest of the $1,299,900 price is paid at closing. A second mortgage can cover part of it. $838,786.28 is due at closing. Uses and sources reconcile at $1,323,299.95 each. Not a Closing Disclosure.