Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$818,613Cash toward the purchase price.
Closing costs + prepaids$25,397Not just lender fees.
Before credits & paid funds$844,010The complete starting cash picture.
Estimated remaining funds due at closing
$844,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$818,612.80
Your down payment$818,612.80
Closing costs + prepaids$25,397.38
Total buyer cash needed$844,010.18
Remaining funds due$844,010.18
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%)$13,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,701.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,769.00
Prepaid interest, first (2 days)$118.44
Fees + prepaids$25,397.38
Your down payment is the seller’s equity. You take over the $540,387 balance, so the rest of the $1,359,000 price is paid at closing. A second mortgage can cover part of it. $844,010.18 is due at closing. Uses and sources reconcile at $1,384,397.38 each. Not a Closing Disclosure.