Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$801,969Cash toward the purchase price.
Closing costs + prepaids$33,731Not just lender fees.
Before credits & paid funds$835,700The complete starting cash picture.
Estimated remaining funds due at closing
$835,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$801,969.00
Your down payment$801,969.00
Closing costs + prepaids$33,730.67
Total buyer cash needed$835,699.67
Remaining funds due$835,699.67
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%)$18,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,465.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,274.00
Prepaid interest, first (10 days)$823.52
Fees + prepaids$33,730.67
Your down payment is the seller’s equity. You take over the $1,093,031 balance, so the rest of the $1,895,000 price is paid at closing. A second mortgage can cover part of it. $835,699.67 is due at closing. Uses and sources reconcile at $1,928,730.67 each. Not a Closing Disclosure.