Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$834,206Cash toward the purchase price.
Closing costs + prepaids$19,175Not just lender fees.
Before credits & paid funds$853,381The complete starting cash picture.
Estimated remaining funds due at closing
$853,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$834,206.07
Your down payment$834,206.07
Closing costs + prepaids$19,174.92
Total buyer cash needed$853,380.99
Remaining funds due$853,380.99
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%)$10,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,028.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,300.00
Prepaid interest, first (13 days)$227.95
Fees + prepaids$19,174.92
Your down payment is the seller’s equity. You take over the $205,794 balance, so the rest of the $1,040,000 price is paid at closing. A second mortgage can cover part of it. $853,380.99 is due at closing. Uses and sources reconcile at $1,059,174.92 each. Not a Closing Disclosure.