Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$714,203Cash toward the purchase price.
Closing costs + prepaids$20,559Not just lender fees.
Before credits & paid funds$734,762The complete starting cash picture.
Estimated remaining funds due at closing
$734,762No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$714,203.10
Your down payment$714,203.10
Closing costs + prepaids$20,559.03
Total buyer cash needed$734,762.12
Remaining funds due$734,762.12
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%)$11,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,178.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$506.00
Initial HOA (3 months)$120.00
Prepaid interest, first (1 days)$36.06
Fees + prepaids$20,559.03
Your down payment is the seller’s equity. You take over the $435,796 balance, so the rest of the $1,149,999 price is paid at closing. A second mortgage can cover part of it. $734,762.12 is due at closing. Uses and sources reconcile at $1,170,558.03 each. Not a Closing Disclosure.