Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$882,043Cash toward the purchase price.
Closing costs + prepaids$19,184Not just lender fees.
Before credits & paid funds$901,227The complete starting cash picture.
Estimated remaining funds due at closing
$901,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$882,042.85
Your down payment$882,042.85
Closing costs + prepaids$19,184.13
Total buyer cash needed$901,226.99
Remaining funds due$901,226.99
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%)$1,064.79
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Initial HOA (3 months)$435.00
Prepaid interest, first (30 days)$516.35
Fees + prepaids$19,184.13
Your down payment is the seller’s equity. You take over the $212,957 balance, so the rest of the $1,095,000 price is paid at closing. A second mortgage can cover part of it. $901,226.99 is due at closing. Uses and sources reconcile at $1,114,184.13 each. Not a Closing Disclosure.