Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$891,852Cash toward the purchase price.
Closing costs + prepaids$22,590Not just lender fees.
Before credits & paid funds$914,441The complete starting cash picture.
Estimated remaining funds due at closing
$914,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$891,851.68
Your down payment$891,851.68
Closing costs + prepaids$22,589.60
Total buyer cash needed$914,441.27
Remaining funds due$914,441.27
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%)$12,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,790.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,122.00
Prepaid interest, first (28 days)$958.86
Fees + prepaids$22,589.60
Your down payment is the seller’s equity. You take over the $358,148 balance, so the rest of the $1,250,000 price is paid at closing. A second mortgage can cover part of it. $914,441.27 is due at closing. Uses and sources reconcile at $1,272,589.60 each. Not a Closing Disclosure.