Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$1,096,308Cash toward the purchase price.
Closing costs + prepaids$64,164Not just lender fees.
Before credits & paid funds$1,160,472The complete starting cash picture.
Estimated remaining funds due at closing
$1,160,472No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,096,308.11
Your down payment$1,096,308.11
Closing costs + prepaids$64,164.12
Total buyer cash needed$1,160,472.23
Remaining funds due$1,160,472.23
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%)$35,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$12,393.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$8,937.50
Prepaid interest, first (2 days)$865.17
Fees + prepaids$64,164.12
Your down payment is the seller’s equity. You take over the $2,478,692 balance, so the rest of the $3,575,000 price is paid at closing. A second mortgage can cover part of it. $1,160,472.23 is due at closing. Uses and sources reconcile at $3,639,164.12 each. Not a Closing Disclosure.