Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$868,247Cash toward the purchase price.
Closing costs + prepaids$23,456Not just lender fees.
Before credits & paid funds$891,703The complete starting cash picture.
Estimated remaining funds due at closing
$891,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$868,247.20
Your down payment$868,247.20
Closing costs + prepaids$23,455.53
Total buyer cash needed$891,702.74
Remaining funds due$891,702.74
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%)$12,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,133.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,618.75
Prepaid interest, first (16 days)$535.02
Fees + prepaids$23,455.53
Your down payment is the seller’s equity. You take over the $426,753 balance, so the rest of the $1,295,000 price is paid at closing. A second mortgage can cover part of it. $891,702.74 is due at closing. Uses and sources reconcile at $1,318,455.53 each. Not a Closing Disclosure.