Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$905,994Cash toward the purchase price.
Closing costs + prepaids$18,833Not just lender fees.
Before credits & paid funds$924,828The complete starting cash picture.
Estimated remaining funds due at closing
$924,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$905,994.17
Your down payment$905,994.17
Closing costs + prepaids$18,833.36
Total buyer cash needed$924,827.53
Remaining funds due$924,827.53
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%)$10,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$720.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,260.00
Prepaid interest, first (10 days)$135.33
Fees + prepaids$18,833.36
Your down payment is the seller’s equity. You take over the $144,006 balance, so the rest of the $1,050,000 price is paid at closing. A second mortgage can cover part of it. $924,827.53 is due at closing. Uses and sources reconcile at $1,068,833.36 each. Not a Closing Disclosure.