Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$1,345,142Cash toward the purchase price.
Closing costs + prepaids$24,070Not just lender fees.
Before credits & paid funds$1,369,212The complete starting cash picture.
Estimated remaining funds due at closing
$1,369,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,345,141.71
Your down payment$1,345,141.71
Closing costs + prepaids$24,070.38
Total buyer cash needed$1,369,212.09
Remaining funds due$1,369,212.09
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%)$15,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,148.79
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$906.75
Prepaid interest, first (2 days)$47.84
Fees + prepaids$24,070.38
Your down payment is the seller’s equity. You take over the $229,758 balance, so the rest of the $1,574,900 price is paid at closing. A second mortgage can cover part of it. $1,369,212.09 is due at closing. Uses and sources reconcile at $1,598,970.38 each. Not a Closing Disclosure.