Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$960,920Cash toward the purchase price.
Closing costs + prepaids$19,632Not just lender fees.
Before credits & paid funds$980,552The complete starting cash picture.
Estimated remaining funds due at closing
$980,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$960,920.09
Your down payment$960,920.09
Closing costs + prepaids$19,632.10
Total buyer cash needed$980,552.19
Remaining funds due$980,552.19
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%)$11,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$845.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$734.50
Prepaid interest, first (31 days)$534.20
Fees + prepaids$19,632.10
Your down payment is the seller’s equity. You take over the $169,080 balance, so the rest of the $1,130,000 price is paid at closing. A second mortgage can cover part of it. $980,552.19 is due at closing. Uses and sources reconcile at $1,149,632.10 each. Not a Closing Disclosure.