Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$903,620Cash toward the purchase price.
Closing costs + prepaids$28,730Not just lender fees.
Before credits & paid funds$932,350The complete starting cash picture.
Estimated remaining funds due at closing
$932,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$903,620.21
Your down payment$903,620.21
Closing costs + prepaids$28,730.24
Total buyer cash needed$932,350.45
Remaining funds due$932,350.45
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%)$15,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,356.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,005.50
Initial HOA (3 months)$22.50
Prepaid interest, first (26 days)$1,377.34
Fees + prepaids$28,730.24
Your down payment is the seller’s equity. You take over the $671,380 balance, so the rest of the $1,575,000 price is paid at closing. A second mortgage can cover part of it. $932,350.45 is due at closing. Uses and sources reconcile at $1,603,730.24 each. Not a Closing Disclosure.