Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$650,906Cash toward the purchase price.
Closing costs + prepaids$34,147Not just lender fees.
Before credits & paid funds$685,054The complete starting cash picture.
Estimated remaining funds due at closing
$685,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$650,906.42
Your down payment$650,906.42
Closing costs + prepaids$34,147.18
Total buyer cash needed$685,053.60
Remaining funds due$685,053.60
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%)$17,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,695.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,332.00
Initial HOA (3 months)$90.00
Prepaid interest, first (30 days)$2,911.71
Fees + prepaids$34,147.18
Your down payment is the seller’s equity. You take over the $1,139,094 balance, so the rest of the $1,790,000 price is paid at closing. A second mortgage can cover part of it. $685,053.60 is due at closing. Uses and sources reconcile at $1,824,147.18 each. Not a Closing Disclosure.