Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$851,488Cash toward the purchase price.
Closing costs + prepaids$26,589Not just lender fees.
Before credits & paid funds$878,077The complete starting cash picture.
Estimated remaining funds due at closing
$878,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$851,488.40
Your down payment$851,488.40
Closing costs + prepaids$26,588.69
Total buyer cash needed$878,077.08
Remaining funds due$878,077.08
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%)$14,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,192.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,024.75
Initial HOA (3 months)$1,034.01
Prepaid interest, first (2 days)$219.37
Fees + prepaids$26,588.69
Your down payment is the seller’s equity. You take over the $638,512 balance, so the rest of the $1,490,000 price is paid at closing. A second mortgage can cover part of it. $878,077.08 is due at closing. Uses and sources reconcile at $1,516,588.69 each. Not a Closing Disclosure.