Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,263,475Cash toward the purchase price.
Closing costs + prepaids$29,238Not just lender fees.
Before credits & paid funds$1,292,712The complete starting cash picture.
Estimated remaining funds due at closing
$1,292,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,263,474.77
Your down payment$1,263,474.77
Closing costs + prepaids$29,237.52
Total buyer cash needed$1,292,712.28
Remaining funds due$1,292,712.28
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%)$16,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,932.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,397.25
Prepaid interest, first (31 days)$2,189.64
Fees + prepaids$29,237.52
Your down payment is the seller’s equity. You take over the $386,525 balance, so the rest of the $1,650,000 price is paid at closing. A second mortgage can cover part of it. $1,292,712.28 is due at closing. Uses and sources reconcile at $1,679,237.52 each. Not a Closing Disclosure.