Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$811,248Cash toward the purchase price.
Closing costs + prepaids$16,381Not just lender fees.
Before credits & paid funds$827,630The complete starting cash picture.
Estimated remaining funds due at closing
$827,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$811,248.42
Your down payment$811,248.42
Closing costs + prepaids$16,381.42
Total buyer cash needed$827,629.84
Remaining funds due$827,629.84
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%)$8,749.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$318.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$750.50
Initial HOA (3 months)$339.00
Prepaid interest, first (1 days)$5.24
Fees + prepaids$16,381.42
Your down payment is the seller’s equity. You take over the $63,747 balance, so the rest of the $874,995 price is paid at closing. A second mortgage can cover part of it. $827,629.84 is due at closing. Uses and sources reconcile at $891,376.42 each. Not a Closing Disclosure.