Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$881,926Cash toward the purchase price.
Closing costs + prepaids$26,490Not just lender fees.
Before credits & paid funds$908,416The complete starting cash picture.
Estimated remaining funds due at closing
$908,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$881,926.23
Your down payment$881,926.23
Closing costs + prepaids$26,489.75
Total buyer cash needed$908,415.98
Remaining funds due$908,415.98
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%)$14,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,085.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,798.75
Prepaid interest, first (7 days)$397.63
Fees + prepaids$26,489.75
Your down payment is the seller’s equity. You take over the $617,074 balance, so the rest of the $1,499,000 price is paid at closing. A second mortgage can cover part of it. $908,415.98 is due at closing. Uses and sources reconcile at $1,525,489.75 each. Not a Closing Disclosure.