Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$784,618Cash toward the purchase price.
Closing costs + prepaids$39,080Not just lender fees.
Before credits & paid funds$823,698The complete starting cash picture.
Estimated remaining funds due at closing
$823,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$784,618.08
Your down payment$784,618.08
Closing costs + prepaids$39,080.13
Total buyer cash needed$823,698.21
Remaining funds due$823,698.21
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%)$20,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,571.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$935.75
Prepaid interest, first (20 days)$4,364.47
Fees + prepaids$39,080.13
Your down payment is the seller’s equity. You take over the $1,314,382 balance, so the rest of the $2,099,000 price is paid at closing. A second mortgage can cover part of it. $823,698.21 is due at closing. Uses and sources reconcile at $2,138,080.13 each. Not a Closing Disclosure.