Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$908,881Cash toward the purchase price.
Closing costs + prepaids$23,083Not just lender fees.
Before credits & paid funds$931,964The complete starting cash picture.
Estimated remaining funds due at closing
$931,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$908,880.52
Your down payment$908,880.52
Closing costs + prepaids$23,083.29
Total buyer cash needed$931,963.81
Remaining funds due$931,963.81
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%)$12,637.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,774.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,516.50
Initial HOA (3 months)$474.00
Prepaid interest, first (9 days)$463.70
Fees + prepaids$23,083.29
Your down payment is the seller’s equity. You take over the $354,819 balance, so the rest of the $1,263,700 price is paid at closing. A second mortgage can cover part of it. $931,963.81 is due at closing. Uses and sources reconcile at $1,286,783.29 each. Not a Closing Disclosure.