Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$440,837Cash toward the purchase price.
Closing costs + prepaids$25,564Not just lender fees.
Before credits & paid funds$466,401The complete starting cash picture.
Estimated remaining funds due at closing
$466,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,836.80
Your down payment$440,836.80
Closing costs + prepaids$25,564.20
Total buyer cash needed$466,401.00
Remaining funds due$466,401.00
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%)$13,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,545.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,076.75
Initial HOA (3 months)$56.25
Prepaid interest, first (1 days)$167.39
Fees + prepaids$25,564.20
Your down payment is the seller’s equity. You take over the $909,163 balance, so the rest of the $1,350,000 price is paid at closing. A second mortgage can cover part of it. $466,401.00 is due at closing. Uses and sources reconcile at $1,375,564.20 each. Not a Closing Disclosure.