Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$861,019Cash toward the purchase price.
Closing costs + prepaids$18,552Not just lender fees.
Before credits & paid funds$879,571The complete starting cash picture.
Estimated remaining funds due at closing
$879,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$861,018.66
Your down payment$861,018.66
Closing costs + prepaids$18,552.34
Total buyer cash needed$879,571.00
Remaining funds due$879,571.00
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%)$9,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$644.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$817.50
Initial HOA (3 months)$249.99
Prepaid interest, first (30 days)$721.94
Fees + prepaids$18,552.34
Your down payment is the seller’s equity. You take over the $128,981 balance, so the rest of the $990,000 price is paid at closing. A second mortgage can cover part of it. $879,571.00 is due at closing. Uses and sources reconcile at $1,008,552.34 each. Not a Closing Disclosure.