Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$854,193Cash toward the purchase price.
Closing costs + prepaids$18,252Not just lender fees.
Before credits & paid funds$872,445The complete starting cash picture.
Estimated remaining funds due at closing
$872,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$854,193.38
Your down payment$854,193.38
Closing costs + prepaids$18,251.94
Total buyer cash needed$872,445.32
Remaining funds due$872,445.32
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%)$9,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$379.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,325.00
Prepaid interest, first (2 days)$29.91
Fees + prepaids$18,251.94
Your down payment is the seller’s equity. You take over the $75,807 balance, so the rest of the $930,000 price is paid at closing. A second mortgage can cover part of it. $872,445.32 is due at closing. Uses and sources reconcile at $948,251.94 each. Not a Closing Disclosure.