Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,179,481Cash toward the purchase price.
Closing costs + prepaids$33,098Not just lender fees.
Before credits & paid funds$1,212,578The complete starting cash picture.
Estimated remaining funds due at closing
$1,212,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,179,480.56
Your down payment$1,179,480.56
Closing costs + prepaids$33,097.70
Total buyer cash needed$1,212,578.25
Remaining funds due$1,212,578.25
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%)$3,077.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,487.50
Prepaid interest, first (28 days)$1,364.60
Fees + prepaids$33,097.70
Your down payment is the seller’s equity. You take over the $615,519 balance, so the rest of the $1,795,000 price is paid at closing. A second mortgage can cover part of it. $1,212,578.25 is due at closing. Uses and sources reconcile at $1,828,097.70 each. Not a Closing Disclosure.