Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,326,256Cash toward the purchase price.
Closing costs + prepaids$32,109Not just lender fees.
Before credits & paid funds$1,358,366The complete starting cash picture.
Estimated remaining funds due at closing
$1,358,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,326,256.45
Your down payment$1,326,256.45
Closing costs + prepaids$32,109.15
Total buyer cash needed$1,358,365.60
Remaining funds due$1,358,365.60
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%)$17,988.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,363.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,497.25
Prepaid interest, first (27 days)$1,041.86
Fees + prepaids$32,109.15
Your down payment is the seller’s equity. You take over the $472,632 balance, so the rest of the $1,798,888 price is paid at closing. A second mortgage can cover part of it. $1,358,365.60 is due at closing. Uses and sources reconcile at $1,830,997.15 each. Not a Closing Disclosure.