Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$1,402,121Cash toward the purchase price.
Closing costs + prepaids$28,869Not just lender fees.
Before credits & paid funds$1,430,990The complete starting cash picture.
Estimated remaining funds due at closing
$1,430,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,402,121.47
Your down payment$1,402,121.47
Closing costs + prepaids$28,868.68
Total buyer cash needed$1,430,990.15
Remaining funds due$1,430,990.15
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%)$1,464.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,947.25
Initial HOA (3 months)$680.01
Prepaid interest, first (22 days)$609.03
Fees + prepaids$28,868.68
Your down payment is the seller’s equity. You take over the $292,879 balance, so the rest of the $1,695,000 price is paid at closing. A second mortgage can cover part of it. $1,430,990.15 is due at closing. Uses and sources reconcile at $1,723,868.68 each. Not a Closing Disclosure.