Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$909,267Cash toward the purchase price.
Closing costs + prepaids$36,201Not just lender fees.
Before credits & paid funds$945,468The complete starting cash picture.
Estimated remaining funds due at closing
$945,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$909,267.31
Your down payment$909,267.31
Closing costs + prepaids$36,200.86
Total buyer cash needed$945,468.17
Remaining funds due$945,468.17
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%)$22,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,578.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$935.75
Prepaid interest, first (1 days)$218.45
Fees + prepaids$36,200.86
Your down payment is the seller’s equity. You take over the $1,315,733 balance, so the rest of the $2,225,000 price is paid at closing. A second mortgage can cover part of it. $945,468.17 is due at closing. Uses and sources reconcile at $2,261,200.86 each. Not a Closing Disclosure.