Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$698,936Cash toward the purchase price.
Closing costs + prepaids$30,869Not just lender fees.
Before credits & paid funds$729,805The complete starting cash picture.
Estimated remaining funds due at closing
$729,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$698,936.22
Your down payment$698,936.22
Closing costs + prepaids$30,869.11
Total buyer cash needed$729,805.33
Remaining funds due$729,805.33
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%)$4,755.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,880.75
Initial HOA (3 months)$366.00
Prepaid interest, first (2 days)$149.04
Fees + prepaids$30,869.11
Your down payment is the seller’s equity. You take over the $951,064 balance, so the rest of the $1,650,000 price is paid at closing. A second mortgage can cover part of it. $729,805.33 is due at closing. Uses and sources reconcile at $1,680,869.11 each. Not a Closing Disclosure.