Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,358,581Cash toward the purchase price.
Closing costs + prepaids$31,062Not just lender fees.
Before credits & paid funds$1,389,642The complete starting cash picture.
Estimated remaining funds due at closing
$1,389,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,358,580.63
Your down payment$1,358,580.63
Closing costs + prepaids$31,061.63
Total buyer cash needed$1,389,642.26
Remaining funds due$1,389,642.26
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%)$17,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,852.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,322.50
Initial HOA (3 months)$495.00
Prepaid interest, first (31 days)$884.03
Fees + prepaids$31,061.63
Your down payment is the seller’s equity. You take over the $370,419 balance, so the rest of the $1,729,000 price is paid at closing. A second mortgage can cover part of it. $1,389,642.26 is due at closing. Uses and sources reconcile at $1,760,061.63 each. Not a Closing Disclosure.