Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$820,577Cash toward the purchase price.
Closing costs + prepaids$19,604Not just lender fees.
Before credits & paid funds$840,181The complete starting cash picture.
Estimated remaining funds due at closing
$840,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$820,576.56
Your down payment$820,576.56
Closing costs + prepaids$19,604.01
Total buyer cash needed$840,180.57
Remaining funds due$840,180.57
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,397.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$962.25
Prepaid interest, first (1 days)$26.64
Fees + prepaids$19,604.01
Your down payment is the seller’s equity. You take over the $279,423 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $840,180.57 is due at closing. Uses and sources reconcile at $1,119,604.01 each. Not a Closing Disclosure.