Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$779,576Cash toward the purchase price.
Closing costs + prepaids$18,263Not just lender fees.
Before credits & paid funds$797,839The complete starting cash picture.
Estimated remaining funds due at closing
$797,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$779,575.80
Your down payment$779,575.80
Closing costs + prepaids$18,262.99
Total buyer cash needed$797,838.79
Remaining funds due$797,838.79
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%)$8,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$577.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,237.50
Prepaid interest, first (31 days)$280.37
Fees + prepaids$18,262.99
Your down payment is the seller’s equity. You take over the $115,424 balance, so the rest of the $895,000 price is paid at closing. A second mortgage can cover part of it. $797,838.79 is due at closing. Uses and sources reconcile at $913,262.99 each. Not a Closing Disclosure.