Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$833,658Cash toward the purchase price.
Closing costs + prepaids$23,433Not just lender fees.
Before credits & paid funds$857,092The complete starting cash picture.
Estimated remaining funds due at closing
$857,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$833,658.46
Your down payment$833,658.46
Closing costs + prepaids$23,433.40
Total buyer cash needed$857,091.86
Remaining funds due$857,091.86
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%)$12,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,326.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,794.00
Initial HOA (3 months)$31.26
Prepaid interest, first (2 days)$73.43
Fees + prepaids$23,433.40
Your down payment is the seller’s equity. You take over the $465,342 balance, so the rest of the $1,299,000 price is paid at closing. A second mortgage can cover part of it. $857,091.86 is due at closing. Uses and sources reconcile at $1,322,433.40 each. Not a Closing Disclosure.