Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$716,511Cash toward the purchase price.
Closing costs + prepaids$21,383Not just lender fees.
Before credits & paid funds$737,894The complete starting cash picture.
Estimated remaining funds due at closing
$737,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$716,510.67
Your down payment$716,510.67
Closing costs + prepaids$21,383.46
Total buyer cash needed$737,894.13
Remaining funds due$737,894.13
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%)$11,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,292.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,053.50
Initial HOA (3 months)$41.25
Prepaid interest, first (1 days)$28.26
Fees + prepaids$21,383.46
Your down payment is the seller’s equity. You take over the $458,489 balance, so the rest of the $1,175,000 price is paid at closing. A second mortgage can cover part of it. $737,894.13 is due at closing. Uses and sources reconcile at $1,196,383.46 each. Not a Closing Disclosure.