Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$906,765Cash toward the purchase price.
Closing costs + prepaids$19,352Not just lender fees.
Before credits & paid funds$926,117The complete starting cash picture.
Estimated remaining funds due at closing
$926,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$906,765.48
Your down payment$906,765.48
Closing costs + prepaids$19,351.84
Total buyer cash needed$926,117.31
Remaining funds due$926,117.31
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%)$10,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$941.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$827.00
Prepaid interest, first (31 days)$415.66
Fees + prepaids$19,351.84
Your down payment is the seller’s equity. You take over the $188,235 balance, so the rest of the $1,095,000 price is paid at closing. A second mortgage can cover part of it. $926,117.31 is due at closing. Uses and sources reconcile at $1,114,351.84 each. Not a Closing Disclosure.