Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$734,760Cash toward the purchase price.
Closing costs + prepaids$19,511Not just lender fees.
Before credits & paid funds$754,271The complete starting cash picture.
Estimated remaining funds due at closing
$754,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$734,760.15
Your down payment$734,760.15
Closing costs + prepaids$19,511.02
Total buyer cash needed$754,271.17
Remaining funds due$754,271.17
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%)$10,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,326.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,246.00
Initial HOA (3 months)$696.99
Prepaid interest, first (1 days)$23.84
Fees + prepaids$19,511.02
Your down payment is the seller’s equity. You take over the $265,240 balance, so the rest of the $1,000,000 price is paid at closing. A second mortgage can cover part of it. $754,271.17 is due at closing. Uses and sources reconcile at $1,019,511.02 each. Not a Closing Disclosure.