Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$866,750Cash toward the purchase price.
Closing costs + prepaids$27,726Not just lender fees.
Before credits & paid funds$894,476The complete starting cash picture.
Estimated remaining funds due at closing
$894,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$866,750.01
Your down payment$866,750.01
Closing costs + prepaids$27,726.07
Total buyer cash needed$894,476.08
Remaining funds due$894,476.08
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%)$16,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,891.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$880.25
Prepaid interest, first (2 days)$286.57
Fees + prepaids$27,726.07
Your down payment is the seller’s equity. You take over the $778,250 balance, so the rest of the $1,645,000 price is paid at closing. A second mortgage can cover part of it. $894,476.08 is due at closing. Uses and sources reconcile at $1,672,726.07 each. Not a Closing Disclosure.