Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$936,437Cash toward the purchase price.
Closing costs + prepaids$28,748Not just lender fees.
Before credits & paid funds$965,185The complete starting cash picture.
Estimated remaining funds due at closing
$965,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$936,437.11
Your down payment$936,437.11
Closing costs + prepaids$28,747.59
Total buyer cash needed$965,184.71
Remaining funds due$965,184.71
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%)$3,567.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,317.50
Prepaid interest, first (2 days)$144.28
Fees + prepaids$28,747.59
Your down payment is the seller’s equity. You take over the $713,563 balance, so the rest of the $1,650,000 price is paid at closing. A second mortgage can cover part of it. $965,184.71 is due at closing. Uses and sources reconcile at $1,678,747.59 each. Not a Closing Disclosure.