Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$1,464,368Cash toward the purchase price.
Closing costs + prepaids$28,073Not just lender fees.
Before credits & paid funds$1,492,441The complete starting cash picture.
Estimated remaining funds due at closing
$1,492,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,464,368.30
Your down payment$1,464,368.30
Closing costs + prepaids$28,072.77
Total buyer cash needed$1,492,441.07
Remaining funds due$1,492,441.07
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%)$17,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,653.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,649.50
Prepaid interest, first (23 days)$602.11
Fees + prepaids$28,072.77
Your down payment is the seller’s equity. You take over the $330,632 balance, so the rest of the $1,795,000 price is paid at closing. A second mortgage can cover part of it. $1,492,441.07 is due at closing. Uses and sources reconcile at $1,823,072.77 each. Not a Closing Disclosure.