Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$433,183Cash toward the purchase price.
Closing costs + prepaids$36,682Not just lender fees.
Before credits & paid funds$469,865The complete starting cash picture.
Estimated remaining funds due at closing
$469,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$433,182.89
Your down payment$433,182.89
Closing costs + prepaids$36,682.10
Total buyer cash needed$469,865.00
Remaining funds due$469,865.00
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%)$16,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,309.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,237.50
Prepaid interest, first (29 days)$2,967.52
Fees + prepaids$36,682.10
Your down payment is the seller’s equity. You take over the $1,261,817 balance, so the rest of the $1,695,000 price is paid at closing. A second mortgage can cover part of it. $469,865.00 is due at closing. Uses and sources reconcile at $1,731,682.10 each. Not a Closing Disclosure.