Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$1,058,913Cash toward the purchase price.
Closing costs + prepaids$27,933Not just lender fees.
Before credits & paid funds$1,086,846The complete starting cash picture.
Estimated remaining funds due at closing
$1,086,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,058,913.34
Your down payment$1,058,913.34
Closing costs + prepaids$27,932.56
Total buyer cash needed$1,086,845.90
Remaining funds due$1,086,845.90
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%)$17,175.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,292.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$912.75
Initial HOA (3 months)$231.75
Prepaid interest, first (2 days)$102.13
Fees + prepaids$27,932.56
Your down payment is the seller’s equity. You take over the $658,587 balance, so the rest of the $1,717,500 price is paid at closing. A second mortgage can cover part of it. $1,086,845.90 is due at closing. Uses and sources reconcile at $1,745,432.56 each. Not a Closing Disclosure.