Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,331,864Cash toward the purchase price.
Closing costs + prepaids$23,829Not just lender fees.
Before credits & paid funds$1,355,693The complete starting cash picture.
Estimated remaining funds due at closing
$1,355,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,331,863.61
Your down payment$1,331,863.61
Closing costs + prepaids$23,829.08
Total buyer cash needed$1,355,692.69
Remaining funds due$1,355,692.69
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%)$15,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,090.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$423.00
Prepaid interest, first (28 days)$597.39
Fees + prepaids$23,829.08
Your down payment is the seller’s equity. You take over the $218,136 balance, so the rest of the $1,550,000 price is paid at closing. A second mortgage can cover part of it. $1,355,692.69 is due at closing. Uses and sources reconcile at $1,573,829.08 each. Not a Closing Disclosure.