Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$965,099Cash toward the purchase price.
Closing costs + prepaids$18,252Not just lender fees.
Before credits & paid funds$983,350The complete starting cash picture.
Estimated remaining funds due at closing
$983,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$965,098.60
Your down payment$965,098.60
Closing costs + prepaids$18,251.69
Total buyer cash needed$983,350.29
Remaining funds due$983,350.29
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%)$424.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$811.75
Prepaid interest, first (19 days)$297.43
Fees + prepaids$18,251.69
Your down payment is the seller’s equity. You take over the $84,901 balance, so the rest of the $1,050,000 price is paid at closing. A second mortgage can cover part of it. $983,350.29 is due at closing. Uses and sources reconcile at $1,068,251.69 each. Not a Closing Disclosure.