Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$761,828Cash toward the purchase price.
Closing costs + prepaids$22,640Not just lender fees.
Before credits & paid funds$784,467The complete starting cash picture.
Estimated remaining funds due at closing
$784,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$761,827.55
Your down payment$761,827.55
Closing costs + prepaids$22,639.56
Total buyer cash needed$784,467.10
Remaining funds due$784,467.10
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%)$11,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,785.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,797.50
Prepaid interest, first (18 days)$648.19
Fees + prepaids$22,639.56
Your down payment is the seller’s equity. You take over the $357,172 balance, so the rest of the $1,119,000 price is paid at closing. A second mortgage can cover part of it. $784,467.10 is due at closing. Uses and sources reconcile at $1,141,639.56 each. Not a Closing Disclosure.