Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$266,633Cash toward the purchase price.
Closing costs + prepaids$41,331Not just lender fees.
Before credits & paid funds$307,963The complete starting cash picture.
Estimated remaining funds due at closing
$307,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,632.76
Your down payment$266,632.76
Closing costs + prepaids$41,330.62
Total buyer cash needed$307,963.38
Remaining funds due$307,963.38
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%)$17,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,416.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,914.75
Initial HOA (3 months)$420.00
Prepaid interest, first (29 days)$7,861.03
Fees + prepaids$41,330.62
Your down payment is the seller’s equity. You take over the $1,483,367 balance, so the rest of the $1,750,000 price is paid at closing. A second mortgage can cover part of it. $307,963.38 is due at closing. Uses and sources reconcile at $1,791,330.62 each. Not a Closing Disclosure.