Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$177,884Cash toward the purchase price.
Closing costs + prepaids$32,804Not just lender fees.
Before credits & paid funds$210,688The complete starting cash picture.
Estimated remaining funds due at closing
$210,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,884.39
Your down payment$177,884.39
Closing costs + prepaids$32,803.76
Total buyer cash needed$210,688.15
Remaining funds due$210,688.15
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%)$15,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,610.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,443.50
Prepaid interest, first (26 days)$3,531.68
Fees + prepaids$32,803.76
Your down payment is the seller’s equity. You take over the $1,322,116 balance, so the rest of the $1,500,000 price is paid at closing. A second mortgage can cover part of it. $210,688.15 is due at closing. Uses and sources reconcile at $1,532,803.76 each. Not a Closing Disclosure.