Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$765,843Cash toward the purchase price.
Closing costs + prepaids$21,150Not just lender fees.
Before credits & paid funds$786,993The complete starting cash picture.
Estimated remaining funds due at closing
$786,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$765,842.70
Your down payment$765,842.70
Closing costs + prepaids$21,150.14
Total buyer cash needed$786,992.84
Remaining funds due$786,992.84
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%)$10,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,645.79
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,393.25
Prepaid interest, first (18 days)$943.10
Fees + prepaids$21,150.14
Your down payment is the seller’s equity. You take over the $329,157 balance, so the rest of the $1,095,000 price is paid at closing. A second mortgage can cover part of it. $786,992.84 is due at closing. Uses and sources reconcile at $1,116,150.14 each. Not a Closing Disclosure.