Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$892,864Cash toward the purchase price.
Closing costs + prepaids$22,927Not just lender fees.
Before credits & paid funds$915,791The complete starting cash picture.
Estimated remaining funds due at closing
$915,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$892,863.89
Your down payment$892,863.89
Closing costs + prepaids$22,926.82
Total buyer cash needed$915,790.71
Remaining funds due$915,790.71
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%)$12,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,835.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,389.00
Prepaid interest, first (30 days)$884.14
Fees + prepaids$22,926.82
Your down payment is the seller’s equity. You take over the $367,136 balance, so the rest of the $1,260,000 price is paid at closing. A second mortgage can cover part of it. $915,790.71 is due at closing. Uses and sources reconcile at $1,282,926.82 each. Not a Closing Disclosure.