Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$867,741Cash toward the purchase price.
Closing costs + prepaids$21,774Not just lender fees.
Before credits & paid funds$889,515The complete starting cash picture.
Estimated remaining funds due at closing
$889,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$867,740.59
Your down payment$867,740.59
Closing costs + prepaids$21,774.37
Total buyer cash needed$889,514.95
Remaining funds due$889,514.95
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%)$12,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,661.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,500.00
Prepaid interest, first (14 days)$395.07
Fees + prepaids$21,774.37
Your down payment is the seller’s equity. You take over the $332,259 balance, so the rest of the $1,200,000 price is paid at closing. A second mortgage can cover part of it. $889,514.95 is due at closing. Uses and sources reconcile at $1,221,774.37 each. Not a Closing Disclosure.