Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$795,579Cash toward the purchase price.
Closing costs + prepaids$21,305Not just lender fees.
Before credits & paid funds$816,884The complete starting cash picture.
Estimated remaining funds due at closing
$816,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$795,578.95
Your down payment$795,578.95
Closing costs + prepaids$21,305.24
Total buyer cash needed$816,884.19
Remaining funds due$816,884.19
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%)$11,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,017.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$669.75
Initial HOA (3 months)$378.00
Prepaid interest, first (1 days)$32.38
Fees + prepaids$21,305.24
Your down payment is the seller’s equity. You take over the $403,421 balance, so the rest of the $1,199,000 price is paid at closing. A second mortgage can cover part of it. $816,884.19 is due at closing. Uses and sources reconcile at $1,220,305.24 each. Not a Closing Disclosure.