Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$881,507Cash toward the purchase price.
Closing costs + prepaids$26,080Not just lender fees.
Before credits & paid funds$907,587The complete starting cash picture.
Estimated remaining funds due at closing
$907,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$881,507.25
Your down payment$881,507.25
Closing costs + prepaids$26,079.62
Total buyer cash needed$907,586.87
Remaining funds due$907,586.87
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%)$12,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,067.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,237.50
Initial HOA (3 months)$8.76
Prepaid interest, first (31 days)$1,597.89
Fees + prepaids$26,079.62
Your down payment is the seller’s equity. You take over the $413,493 balance, so the rest of the $1,295,000 price is paid at closing. A second mortgage can cover part of it. $907,586.87 is due at closing. Uses and sources reconcile at $1,321,079.62 each. Not a Closing Disclosure.