Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$844,691Cash toward the purchase price.
Closing costs + prepaids$19,930Not just lender fees.
Before credits & paid funds$864,620The complete starting cash picture.
Estimated remaining funds due at closing
$864,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$844,690.64
Your down payment$844,690.64
Closing costs + prepaids$19,929.65
Total buyer cash needed$864,620.30
Remaining funds due$864,620.30
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%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,526.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$582.00
Initial HOA (3 months)$75.00
Prepaid interest, first (1 days)$28.11
Fees + prepaids$19,929.65
Your down payment is the seller’s equity. You take over the $305,309 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $864,620.30 is due at closing. Uses and sources reconcile at $1,169,929.65 each. Not a Closing Disclosure.