Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$796,748Cash toward the purchase price.
Closing costs + prepaids$22,466Not just lender fees.
Before credits & paid funds$819,214The complete starting cash picture.
Estimated remaining funds due at closing
$819,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$796,747.73
Your down payment$796,747.73
Closing costs + prepaids$22,466.45
Total buyer cash needed$819,214.18
Remaining funds due$819,214.18
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%)$12,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,141.26
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,470.00
Prepaid interest, first (10 days)$387.19
Fees + prepaids$22,466.45
Your down payment is the seller’s equity. You take over the $428,252 balance, so the rest of the $1,225,000 price is paid at closing. A second mortgage can cover part of it. $819,214.18 is due at closing. Uses and sources reconcile at $1,247,466.45 each. Not a Closing Disclosure.