Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$971,906Cash toward the purchase price.
Closing costs + prepaids$22,650Not just lender fees.
Before credits & paid funds$994,556The complete starting cash picture.
Estimated remaining funds due at closing
$994,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$971,905.95
Your down payment$971,905.95
Closing costs + prepaids$22,650.17
Total buyer cash needed$994,556.12
Remaining funds due$994,556.12
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%)$13,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,640.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,757.00
Prepaid interest, first (1 days)$34.70
Fees + prepaids$22,650.17
Your down payment is the seller’s equity. You take over the $328,094 balance, so the rest of the $1,300,000 price is paid at closing. A second mortgage can cover part of it. $994,556.12 is due at closing. Uses and sources reconcile at $1,322,650.17 each. Not a Closing Disclosure.