Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$898,733Cash toward the purchase price.
Closing costs + prepaids$18,214Not just lender fees.
Before credits & paid funds$916,947The complete starting cash picture.
Estimated remaining funds due at closing
$916,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$898,733.14
Your down payment$898,733.14
Closing costs + prepaids$18,214.35
Total buyer cash needed$916,947.49
Remaining funds due$916,947.49
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%)$9,625.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$318.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,458.50
Initial HOA (3 months)$585.00
Prepaid interest, first (1 days)$9.01
Fees + prepaids$18,214.35
Your down payment is the seller’s equity. You take over the $63,767 balance, so the rest of the $962,500 price is paid at closing. A second mortgage can cover part of it. $916,947.49 is due at closing. Uses and sources reconcile at $980,714.35 each. Not a Closing Disclosure.