Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$1,358,532Cash toward the purchase price.
Closing costs + prepaids$23,727Not just lender fees.
Before credits & paid funds$1,382,259The complete starting cash picture.
Estimated remaining funds due at closing
$1,382,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,358,531.96
Your down payment$1,358,531.96
Closing costs + prepaids$23,727.43
Total buyer cash needed$1,382,259.39
Remaining funds due$1,382,259.39
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%)$14,545.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$479.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,213.25
Prepaid interest, first (30 days)$271.34
Fees + prepaids$23,727.43
Your down payment is the seller’s equity. You take over the $95,968 balance, so the rest of the $1,454,500 price is paid at closing. A second mortgage can cover part of it. $1,382,259.39 is due at closing. Uses and sources reconcile at $1,478,227.43 each. Not a Closing Disclosure.