Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$763,302Cash toward the purchase price.
Closing costs + prepaids$21,273Not just lender fees.
Before credits & paid funds$784,575The complete starting cash picture.
Estimated remaining funds due at closing
$784,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$763,302.22
Your down payment$763,302.22
Closing costs + prepaids$21,272.60
Total buyer cash needed$784,574.83
Remaining funds due$784,574.83
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%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,933.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,380.00
Initial HOA (3 months)$62.49
Prepaid interest, first (6 days)$178.62
Fees + prepaids$21,272.60
Your down payment is the seller’s equity. You take over the $386,698 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $784,574.83 is due at closing. Uses and sources reconcile at $1,171,272.60 each. Not a Closing Disclosure.