Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,401,448Cash toward the purchase price.
Closing costs + prepaids$28,291Not just lender fees.
Before credits & paid funds$1,429,739The complete starting cash picture.
Estimated remaining funds due at closing
$1,429,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,401,448.15
Your down payment$1,401,448.15
Closing costs + prepaids$28,290.77
Total buyer cash needed$1,429,738.92
Remaining funds due$1,429,738.92
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%)$1,467.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,947.25
Initial HOA (3 months)$680.01
Prepaid interest, first (1 days)$27.75
Fees + prepaids$28,290.77
Your down payment is the seller’s equity. You take over the $293,552 balance, so the rest of the $1,695,000 price is paid at closing. A second mortgage can cover part of it. $1,429,738.92 is due at closing. Uses and sources reconcile at $1,723,290.77 each. Not a Closing Disclosure.