Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,209,844Cash toward the purchase price.
Closing costs + prepaids$28,384Not just lender fees.
Before credits & paid funds$1,238,229The complete starting cash picture.
Estimated remaining funds due at closing
$1,238,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,209,844.37
Your down payment$1,209,844.37
Closing costs + prepaids$28,384.36
Total buyer cash needed$1,238,228.73
Remaining funds due$1,238,228.73
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%)$16,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,425.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,608.00
Prepaid interest, first (31 days)$1,182.58
Fees + prepaids$28,384.36
Your down payment is the seller’s equity. You take over the $485,156 balance, so the rest of the $1,695,000 price is paid at closing. A second mortgage can cover part of it. $1,238,228.73 is due at closing. Uses and sources reconcile at $1,723,384.36 each. Not a Closing Disclosure.