Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$905,426Cash toward the purchase price.
Closing costs + prepaids$21,954Not just lender fees.
Before credits & paid funds$927,379The complete starting cash picture.
Estimated remaining funds due at closing
$927,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$905,425.56
Your down payment$905,425.56
Closing costs + prepaids$21,953.93
Total buyer cash needed$927,379.48
Remaining funds due$927,379.48
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%)$11,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,422.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,091.25
Initial HOA (3 months)$1,268.01
Prepaid interest, first (2 days)$53.80
Fees + prepaids$21,953.93
Your down payment is the seller’s equity. You take over the $284,574 balance, so the rest of the $1,190,000 price is paid at closing. A second mortgage can cover part of it. $927,379.48 is due at closing. Uses and sources reconcile at $1,211,953.93 each. Not a Closing Disclosure.