Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$837,305Cash toward the purchase price.
Closing costs + prepaids$25,876Not just lender fees.
Before credits & paid funds$863,182The complete starting cash picture.
Estimated remaining funds due at closing
$863,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$837,305.48
Your down payment$837,305.48
Closing costs + prepaids$25,876.36
Total buyer cash needed$863,181.84
Remaining funds due$863,181.84
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%)$13,998.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,812.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,426.25
Initial HOA (3 months)$207.00
Prepaid interest, first (2 days)$213.32
Fees + prepaids$25,876.36
Your down payment is the seller’s equity. You take over the $562,583 balance, so the rest of the $1,399,888 price is paid at closing. A second mortgage can cover part of it. $863,181.84 is due at closing. Uses and sources reconcile at $1,425,764.36 each. Not a Closing Disclosure.