Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,182,847Cash toward the purchase price.
Closing costs + prepaids$30,469Not just lender fees.
Before credits & paid funds$1,213,317The complete starting cash picture.
Estimated remaining funds due at closing
$1,213,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,182,847.26
Your down payment$1,182,847.26
Closing costs + prepaids$30,469.32
Total buyer cash needed$1,213,316.58
Remaining funds due$1,213,316.58
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%)$17,488.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,829.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,512.50
Initial HOA (3 months)$1,260.00
Prepaid interest, first (26 days)$1,161.06
Fees + prepaids$30,469.32
Your down payment is the seller’s equity. You take over the $565,953 balance, so the rest of the $1,748,800 price is paid at closing. A second mortgage can cover part of it. $1,213,316.58 is due at closing. Uses and sources reconcile at $1,779,269.32 each. Not a Closing Disclosure.