Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$910,376Cash toward the purchase price.
Closing costs + prepaids$30,296Not just lender fees.
Before credits & paid funds$940,671The complete starting cash picture.
Estimated remaining funds due at closing
$940,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$910,375.72
Your down payment$910,375.72
Closing costs + prepaids$30,295.77
Total buyer cash needed$940,671.49
Remaining funds due$940,671.49
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%)$4,048.12
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)$1,956.41
Fees + prepaids$30,295.77
Your down payment is the seller’s equity. You take over the $809,624 balance, so the rest of the $1,720,000 price is paid at closing. A second mortgage can cover part of it. $940,671.49 is due at closing. Uses and sources reconcile at $1,750,295.77 each. Not a Closing Disclosure.