Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$61,770Cash toward the purchase price.
Closing costs + prepaids$34,624Not just lender fees.
Before credits & paid funds$96,394The complete starting cash picture.
Estimated remaining funds due at closing
$96,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,769.95
Your down payment$61,769.95
Closing costs + prepaids$34,624.07
Total buyer cash needed$96,394.02
Remaining funds due$96,394.02
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%)$7,941.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,621.25
Initial HOA (3 months)$41.25
Prepaid interest, first (1 days)$302.42
Fees + prepaids$34,624.07
Your down payment is the seller’s equity. You take over the $1,588,230 balance, so the rest of the $1,650,000 price is paid at closing. A second mortgage can cover part of it. $96,394.02 is due at closing. Uses and sources reconcile at $1,684,624.07 each. Not a Closing Disclosure.