Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$417,383Cash toward the purchase price.
Closing costs + prepaids$23,804Not just lender fees.
Before credits & paid funds$441,187The complete starting cash picture.
Estimated remaining funds due at closing
$441,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$417,382.58
Your down payment$417,382.58
Closing costs + prepaids$23,804.05
Total buyer cash needed$441,186.64
Remaining funds due$441,186.64
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%)$12,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,213.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$658.00
Prepaid interest, first (1 days)$114.97
Fees + prepaids$23,804.05
Your down payment is the seller’s equity. You take over the $842,617 balance, so the rest of the $1,260,000 price is paid at closing. A second mortgage can cover part of it. $441,186.64 is due at closing. Uses and sources reconcile at $1,283,804.05 each. Not a Closing Disclosure.