Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,331,538Cash toward the purchase price.
Closing costs + prepaids$28,265Not just lender fees.
Before credits & paid funds$1,359,803The complete starting cash picture.
Estimated remaining funds due at closing
$1,359,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,331,538.48
Your down payment$1,331,538.48
Closing costs + prepaids$28,264.95
Total buyer cash needed$1,359,803.43
Remaining funds due$1,359,803.43
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%)$15,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,337.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,997.50
Prepaid interest, first (27 days)$722.15
Fees + prepaids$28,264.95
Your down payment is the seller’s equity. You take over the $267,462 balance, so the rest of the $1,599,000 price is paid at closing. A second mortgage can cover part of it. $1,359,803.43 is due at closing. Uses and sources reconcile at $1,627,264.95 each. Not a Closing Disclosure.