Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$1,038,341Cash toward the purchase price.
Closing costs + prepaids$19,015Not just lender fees.
Before credits & paid funds$1,057,356The complete starting cash picture.
Estimated remaining funds due at closing
$1,057,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,038,341.02
Your down payment$1,038,341.02
Closing costs + prepaids$19,014.73
Total buyer cash needed$1,057,355.75
Remaining funds due$1,057,355.75
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$308.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,375.00
Prepaid interest, first (17 days)$113.44
Fees + prepaids$19,014.73
Your down payment is the seller’s equity. You take over the $61,659 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $1,057,355.75 is due at closing. Uses and sources reconcile at $1,119,014.73 each. Not a Closing Disclosure.