Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$821,398Cash toward the purchase price.
Closing costs + prepaids$20,197Not just lender fees.
Before credits & paid funds$841,595The complete starting cash picture.
Estimated remaining funds due at closing
$841,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$821,398.09
Your down payment$821,398.09
Closing costs + prepaids$20,196.64
Total buyer cash needed$841,594.73
Remaining funds due$841,594.73
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%)$1,393.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,320.00
Prepaid interest, first (10 days)$265.63
Fees + prepaids$20,196.64
Your down payment is the seller’s equity. You take over the $278,602 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $841,594.73 is due at closing. Uses and sources reconcile at $1,120,196.64 each. Not a Closing Disclosure.