Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$709,093Cash toward the purchase price.
Closing costs + prepaids$22,393Not just lender fees.
Before credits & paid funds$731,486The complete starting cash picture.
Estimated remaining funds due at closing
$731,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$709,093.15
Your down payment$709,093.15
Closing costs + prepaids$22,392.74
Total buyer cash needed$731,485.89
Remaining funds due$731,485.89
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%)$11,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,079.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,812.50
Prepaid interest, first (1 days)$32.70
Fees + prepaids$22,392.74
Your down payment is the seller’s equity. You take over the $415,907 balance, so the rest of the $1,125,000 price is paid at closing. A second mortgage can cover part of it. $731,485.89 is due at closing. Uses and sources reconcile at $1,147,392.74 each. Not a Closing Disclosure.