Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$911,013Cash toward the purchase price.
Closing costs + prepaids$30,264Not just lender fees.
Before credits & paid funds$941,277The complete starting cash picture.
Estimated remaining funds due at closing
$941,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$911,012.84
Your down payment$911,012.84
Closing costs + prepaids$30,264.45
Total buyer cash needed$941,277.28
Remaining funds due$941,277.28
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%)$17,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,044.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$863.25
Initial HOA (3 months)$9.99
Prepaid interest, first (30 days)$1,928.27
Fees + prepaids$30,264.45
Your down payment is the seller’s equity. You take over the $808,987 balance, so the rest of the $1,720,000 price is paid at closing. A second mortgage can cover part of it. $941,277.28 is due at closing. Uses and sources reconcile at $1,750,264.45 each. Not a Closing Disclosure.