Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$905,994Cash toward the purchase price.
Closing costs + prepaids$18,574Not just lender fees.
Before credits & paid funds$924,568The complete starting cash picture.
Estimated remaining funds due at closing
$924,568No 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$18,573.66
Total buyer cash needed$924,567.83
Remaining funds due$924,567.83
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)$770.25
Prepaid interest, first (27 days)$365.38
Fees + prepaids$18,573.66
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. $924,567.83 is due at closing. Uses and sources reconcile at $1,068,573.66 each. Not a Closing Disclosure.