Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$270,153Cash toward the purchase price.
Closing costs + prepaids$21,139Not just lender fees.
Before credits & paid funds$291,292The complete starting cash picture.
Estimated remaining funds due at closing
$291,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,152.89
Your down payment$270,152.89
Closing costs + prepaids$21,138.73
Total buyer cash needed$291,291.62
Remaining funds due$291,291.62
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%)$10,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,649.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,186.00
Initial HOA (3 months)$27.51
Prepaid interest, first (1 days)$57.99
Fees + prepaids$21,138.73
Your down payment is the seller’s equity. You take over the $729,847 balance, so the rest of the $1,000,000 price is paid at closing. A second mortgage can cover part of it. $291,291.62 is due at closing. Uses and sources reconcile at $1,021,138.73 each. Not a Closing Disclosure.