Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$867,565Cash toward the purchase price.
Closing costs + prepaids$30,298Not just lender fees.
Before credits & paid funds$897,863The complete starting cash picture.
Estimated remaining funds due at closing
$897,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$867,564.65
Your down payment$867,564.65
Closing costs + prepaids$30,298.09
Total buyer cash needed$897,862.75
Remaining funds due$897,862.75
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%)$16,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,887.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$880.25
Prepaid interest, first (20 days)$2,862.67
Fees + prepaids$30,298.09
Your down payment is the seller’s equity. You take over the $777,435 balance, so the rest of the $1,645,000 price is paid at closing. A second mortgage can cover part of it. $897,862.75 is due at closing. Uses and sources reconcile at $1,675,298.09 each. Not a Closing Disclosure.