Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$1,117,938Cash toward the purchase price.
Closing costs + prepaids$27,695Not just lender fees.
Before credits & paid funds$1,145,632The complete starting cash picture.
Estimated remaining funds due at closing
$1,145,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,117,937.76
Your down payment$1,117,937.76
Closing costs + prepaids$27,694.73
Total buyer cash needed$1,145,632.49
Remaining funds due$1,145,632.49
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%)$14,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,885.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,737.50
Prepaid interest, first (25 days)$903.92
Fees + prepaids$27,694.73
Your down payment is the seller’s equity. You take over the $377,062 balance, so the rest of the $1,495,000 price is paid at closing. A second mortgage can cover part of it. $1,145,632.49 is due at closing. Uses and sources reconcile at $1,522,694.73 each. Not a Closing Disclosure.