Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$857,640Cash toward the purchase price.
Closing costs + prepaids$21,971Not just lender fees.
Before credits & paid funds$879,611The complete starting cash picture.
Estimated remaining funds due at closing
$879,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$857,640.24
Your down payment$857,640.24
Closing costs + prepaids$21,970.62
Total buyer cash needed$879,610.86
Remaining funds due$879,610.86
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%)$12,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,206.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$521.00
Prepaid interest, first (1 days)$34.83
Fees + prepaids$21,970.62
Your down payment is the seller’s equity. You take over the $441,360 balance, so the rest of the $1,299,000 price is paid at closing. A second mortgage can cover part of it. $879,610.86 is due at closing. Uses and sources reconcile at $1,320,970.62 each. Not a Closing Disclosure.