Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$817,464Cash toward the purchase price.
Closing costs + prepaids$21,413Not just lender fees.
Before credits & paid funds$838,877The complete starting cash picture.
Estimated remaining funds due at closing
$838,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$817,464.10
Your down payment$817,464.10
Closing costs + prepaids$21,413.06
Total buyer cash needed$838,877.16
Remaining funds due$838,877.16
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,412.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,873.75
Initial HOA (3 months)$237.51
Prepaid interest, first (30 days)$671.12
Fees + prepaids$21,413.06
Your down payment is the seller’s equity. You take over the $282,536 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $838,877.16 is due at closing. Uses and sources reconcile at $1,121,413.06 each. Not a Closing Disclosure.