Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,076,300Cash toward the purchase price.
Closing costs + prepaids$28,682Not just lender fees.
Before credits & paid funds$1,104,981The complete starting cash picture.
Estimated remaining funds due at closing
$1,104,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,076,299.68
Your down payment$1,076,299.68
Closing costs + prepaids$28,681.77
Total buyer cash needed$1,104,981.45
Remaining funds due$1,104,981.45
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%)$16,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,868.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,911.25
Prepaid interest, first (27 days)$1,184.02
Fees + prepaids$28,681.77
Your down payment is the seller’s equity. You take over the $573,700 balance, so the rest of the $1,650,000 price is paid at closing. A second mortgage can cover part of it. $1,104,981.45 is due at closing. Uses and sources reconcile at $1,678,681.77 each. Not a Closing Disclosure.