Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$790,193Cash toward the purchase price.
Closing costs + prepaids$20,331Not just lender fees.
Before credits & paid funds$810,525The complete starting cash picture.
Estimated remaining funds due at closing
$810,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$790,193.46
Your down payment$790,193.46
Closing costs + prepaids$20,331.26
Total buyer cash needed$810,524.72
Remaining funds due$810,524.72
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%)$10,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,424.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,290.00
Initial HOA (3 months)$405.00
Prepaid interest, first (10 days)$244.23
Fees + prepaids$20,331.26
Your down payment is the seller’s equity. You take over the $284,807 balance, so the rest of the $1,075,000 price is paid at closing. A second mortgage can cover part of it. $810,524.72 is due at closing. Uses and sources reconcile at $1,095,331.26 each. Not a Closing Disclosure.