Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$867,741Cash toward the purchase price.
Closing costs + prepaids$21,315Not just lender fees.
Before credits & paid funds$889,055The complete starting cash picture.
Estimated remaining funds due at closing
$889,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$867,740.59
Your down payment$867,740.59
Closing costs + prepaids$21,314.91
Total buyer cash needed$889,055.49
Remaining funds due$889,055.49
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%)$12,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,661.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$617.25
Prepaid interest, first (29 days)$818.36
Fees + prepaids$21,314.91
Your down payment is the seller’s equity. You take over the $332,259 balance, so the rest of the $1,200,000 price is paid at closing. A second mortgage can cover part of it. $889,055.49 is due at closing. Uses and sources reconcile at $1,221,314.91 each. Not a Closing Disclosure.