Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$1,453,654Cash toward the purchase price.
Closing costs + prepaids$27,235Not just lender fees.
Before credits & paid funds$1,480,888The complete starting cash picture.
Estimated remaining funds due at closing
$1,480,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,453,653.60
Your down payment$1,453,653.60
Closing costs + prepaids$27,234.68
Total buyer cash needed$1,480,888.28
Remaining funds due$1,480,888.28
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%)$17,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,481.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,417.25
Prepaid interest, first (24 days)$617.70
Fees + prepaids$27,234.68
Your down payment is the seller’s equity. You take over the $296,346 balance, so the rest of the $1,750,000 price is paid at closing. A second mortgage can cover part of it. $1,480,888.28 is due at closing. Uses and sources reconcile at $1,777,234.68 each. Not a Closing Disclosure.