Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,102,414Cash toward the purchase price.
Closing costs + prepaids$24,510Not just lender fees.
Before credits & paid funds$1,126,924The complete starting cash picture.
Estimated remaining funds due at closing
$1,126,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,102,413.87
Your down payment$1,102,413.87
Closing costs + prepaids$24,509.72
Total buyer cash needed$1,126,923.60
Remaining funds due$1,126,923.60
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%)$14,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,737.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,004.75
Prepaid interest, first (27 days)$1,049.04
Fees + prepaids$24,509.72
Your down payment is the seller’s equity. You take over the $347,586 balance, so the rest of the $1,450,000 price is paid at closing. A second mortgage can cover part of it. $1,126,923.60 is due at closing. Uses and sources reconcile at $1,474,509.72 each. Not a Closing Disclosure.