Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$938,065Cash toward the purchase price.
Closing costs + prepaids$30,323Not just lender fees.
Before credits & paid funds$968,387The complete starting cash picture.
Estimated remaining funds due at closing
$968,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$938,064.94
Your down payment$938,064.94
Closing costs + prepaids$30,322.54
Total buyer cash needed$968,387.48
Remaining funds due$968,387.48
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%)$3,559.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,317.50
Prepaid interest, first (24 days)$1,727.37
Fees + prepaids$30,322.54
Your down payment is the seller’s equity. You take over the $711,935 balance, so the rest of the $1,650,000 price is paid at closing. A second mortgage can cover part of it. $968,387.48 is due at closing. Uses and sources reconcile at $1,680,322.54 each. Not a Closing Disclosure.