Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$941,864Cash toward the purchase price.
Closing costs + prepaids$31,376Not just lender fees.
Before credits & paid funds$973,240The complete starting cash picture.
Estimated remaining funds due at closing
$973,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$941,864.39
Your down payment$941,864.39
Closing costs + prepaids$31,375.91
Total buyer cash needed$973,240.29
Remaining funds due$973,240.29
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%)$16,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,665.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,122.50
Prepaid interest, first (28 days)$1,619.73
Fees + prepaids$31,375.91
Your down payment is the seller’s equity. You take over the $733,136 balance, so the rest of the $1,675,000 price is paid at closing. A second mortgage can cover part of it. $973,240.29 is due at closing. Uses and sources reconcile at $1,706,375.91 each. Not a Closing Disclosure.