Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$841,946Cash toward the purchase price.
Closing costs + prepaids$31,019Not just lender fees.
Before credits & paid funds$872,965The complete starting cash picture.
Estimated remaining funds due at closing
$872,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$841,946.12
Your down payment$841,946.12
Closing costs + prepaids$31,019.09
Total buyer cash needed$872,965.21
Remaining funds due$872,965.21
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%)$15,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,685.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,674.50
Initial HOA (3 months)$513.00
Prepaid interest, first (1 days)$138.32
Fees + prepaids$31,019.09
Your down payment is the seller’s equity. You take over the $737,054 balance, so the rest of the $1,579,000 price is paid at closing. A second mortgage can cover part of it. $872,965.21 is due at closing. Uses and sources reconcile at $1,610,019.09 each. Not a Closing Disclosure.