Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$805,711Cash toward the purchase price.
Closing costs + prepaids$29,219Not just lender fees.
Before credits & paid funds$834,930The complete starting cash picture.
Estimated remaining funds due at closing
$834,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$805,710.67
Your down payment$805,710.67
Closing costs + prepaids$29,219.14
Total buyer cash needed$834,929.82
Remaining funds due$834,929.82
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%)$14,998.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,470.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,749.50
Initial HOA (3 months)$729.00
Prepaid interest, first (1 days)$54.20
Fees + prepaids$29,219.14
Your down payment is the seller’s equity. You take over the $694,089 balance, so the rest of the $1,499,800 price is paid at closing. A second mortgage can cover part of it. $834,929.82 is due at closing. Uses and sources reconcile at $1,529,019.14 each. Not a Closing Disclosure.