Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$701,121Cash toward the purchase price.
Closing costs + prepaids$32,419Not just lender fees.
Before credits & paid funds$733,540The complete starting cash picture.
Estimated remaining funds due at closing
$733,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$701,120.80
Your down payment$701,120.80
Closing costs + prepaids$32,419.21
Total buyer cash needed$733,540.01
Remaining funds due$733,540.01
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%)$4,744.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,880.75
Initial HOA (3 months)$366.00
Prepaid interest, first (23 days)$1,710.06
Fees + prepaids$32,419.21
Your down payment is the seller’s equity. You take over the $948,879 balance, so the rest of the $1,650,000 price is paid at closing. A second mortgage can cover part of it. $733,540.01 is due at closing. Uses and sources reconcile at $1,682,419.21 each. Not a Closing Disclosure.