Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$971,179Cash toward the purchase price.
Closing costs + prepaids$27,947Not just lender fees.
Before credits & paid funds$999,125The complete starting cash picture.
Estimated remaining funds due at closing
$999,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$971,178.79
Your down payment$971,178.79
Closing costs + prepaids$27,946.59
Total buyer cash needed$999,125.38
Remaining funds due$999,125.38
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%)$14,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,634.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,797.50
Initial HOA (3 months)$1,509.00
Prepaid interest, first (9 days)$807.98
Fees + prepaids$27,946.59
Your down payment is the seller’s equity. You take over the $526,821 balance, so the rest of the $1,498,000 price is paid at closing. A second mortgage can cover part of it. $999,125.38 is due at closing. Uses and sources reconcile at $1,525,946.59 each. Not a Closing Disclosure.