Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$842,498Cash toward the purchase price.
Closing costs + prepaids$21,229Not just lender fees.
Before credits & paid funds$863,728The complete starting cash picture.
Estimated remaining funds due at closing
$863,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$842,498.46
Your down payment$842,498.46
Closing costs + prepaids$21,229.34
Total buyer cash needed$863,727.80
Remaining funds due$863,727.80
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,287.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,320.00
Initial HOA (3 months)$920.01
Prepaid interest, first (9 days)$483.82
Fees + prepaids$21,229.34
Your down payment is the seller’s equity. You take over the $257,502 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $863,727.80 is due at closing. Uses and sources reconcile at $1,121,229.34 each. Not a Closing Disclosure.