Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,121,516Cash toward the purchase price.
Closing costs + prepaids$27,331Not just lender fees.
Before credits & paid funds$1,148,847The complete starting cash picture.
Estimated remaining funds due at closing
$1,148,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,121,515.56
Your down payment$1,121,515.56
Closing costs + prepaids$27,331.36
Total buyer cash needed$1,148,846.92
Remaining funds due$1,148,846.92
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%)$16,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,887.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$43.00
Prepaid interest, first (26 days)$1,192.94
Fees + prepaids$27,331.36
Your down payment is the seller’s equity. You take over the $577,484 balance, so the rest of the $1,699,000 price is paid at closing. A second mortgage can cover part of it. $1,148,846.92 is due at closing. Uses and sources reconcile at $1,726,331.36 each. Not a Closing Disclosure.