Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$807,285Cash toward the purchase price.
Closing costs + prepaids$31,738Not just lender fees.
Before credits & paid funds$839,023The complete starting cash picture.
Estimated remaining funds due at closing
$839,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$807,284.96
Your down payment$807,284.96
Closing costs + prepaids$31,737.73
Total buyer cash needed$839,022.69
Remaining funds due$839,022.69
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%)$14,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,458.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,530.50
Initial HOA (3 months)$722.01
Prepaid interest, first (31 days)$3,818.65
Fees + prepaids$31,737.73
Your down payment is the seller’s equity. You take over the $691,715 balance, so the rest of the $1,499,000 price is paid at closing. A second mortgage can cover part of it. $839,022.69 is due at closing. Uses and sources reconcile at $1,530,737.73 each. Not a Closing Disclosure.