Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$842,498Cash toward the purchase price.
Closing costs + prepaids$22,196Not just lender fees.
Before credits & paid funds$864,694The complete starting cash picture.
Estimated remaining funds due at closing
$864,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$842,498.46
Your down payment$842,498.46
Closing costs + prepaids$22,195.76
Total buyer cash needed$864,694.22
Remaining funds due$864,694.22
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,287.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,103.75
Initial HOA (3 months)$920.01
Prepaid interest, first (31 days)$1,666.49
Fees + prepaids$22,195.76
Your down payment is the seller’s equity. You take over the $257,502 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $864,694.22 is due at closing. Uses and sources reconcile at $1,122,195.76 each. Not a Closing Disclosure.