Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$965,099Cash toward the purchase price.
Closing costs + prepaids$18,236Not just lender fees.
Before credits & paid funds$983,335The complete starting cash picture.
Estimated remaining funds due at closing
$983,335No 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$18,236.04
Total buyer cash needed$983,334.64
Remaining funds due$983,334.64
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 (18 days)$281.78
Fees + prepaids$18,236.04
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. $983,334.64 is due at closing. Uses and sources reconcile at $1,068,236.04 each. Not a Closing Disclosure.