Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$899,742Cash toward the purchase price.
Closing costs + prepaids$18,264Not just lender fees.
Before credits & paid funds$918,006The complete starting cash picture.
Estimated remaining funds due at closing
$918,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$899,742.00
Your down payment$899,742.00
Closing costs + prepaids$18,263.88
Total buyer cash needed$918,005.88
Remaining funds due$918,005.88
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%)$10,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$501.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,367.50
Prepaid interest, first (21 days)$177.09
Fees + prepaids$18,263.88
Your down payment is the seller’s equity. You take over the $100,258 balance, so the rest of the $1,000,000 price is paid at closing. A second mortgage can cover part of it. $918,005.88 is due at closing. Uses and sources reconcile at $1,018,263.88 each. Not a Closing Disclosure.