Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$961,334Cash toward the purchase price.
Closing costs + prepaids$23,355Not just lender fees.
Before credits & paid funds$984,689The complete starting cash picture.
Estimated remaining funds due at closing
$984,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$961,334.03
Your down payment$961,334.03
Closing costs + prepaids$23,355.05
Total buyer cash needed$984,689.08
Remaining funds due$984,689.08
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%)$13,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,188.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$893.25
Prepaid interest, first (2 days)$65.47
Fees + prepaids$23,355.05
Your down payment is the seller’s equity. You take over the $437,666 balance, so the rest of the $1,399,000 price is paid at closing. A second mortgage can cover part of it. $984,689.08 is due at closing. Uses and sources reconcile at $1,422,355.05 each. Not a Closing Disclosure.