Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$914,273Cash toward the purchase price.
Closing costs + prepaids$22,691Not just lender fees.
Before credits & paid funds$936,965The complete starting cash picture.
Estimated remaining funds due at closing
$936,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$914,273.49
Your down payment$914,273.49
Closing costs + prepaids$22,691.04
Total buyer cash needed$936,964.54
Remaining funds due$936,964.54
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%)$12,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,878.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,401.25
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$23.16
Fees + prepaids$22,691.04
Your down payment is the seller’s equity. You take over the $375,727 balance, so the rest of the $1,290,000 price is paid at closing. A second mortgage can cover part of it. $936,964.54 is due at closing. Uses and sources reconcile at $1,312,691.04 each. Not a Closing Disclosure.