Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,164,861Cash toward the purchase price.
Closing costs + prepaids$22,599Not just lender fees.
Before credits & paid funds$1,187,459The complete starting cash picture.
Estimated remaining funds due at closing
$1,187,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,164,860.55
Your down payment$1,164,860.55
Closing costs + prepaids$22,598.85
Total buyer cash needed$1,187,459.39
Remaining funds due$1,187,459.39
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%)$14,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,375.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$130.25
Prepaid interest, first (28 days)$474.90
Fees + prepaids$22,598.85
Your down payment is the seller’s equity. You take over the $275,139 balance, so the rest of the $1,440,000 price is paid at closing. A second mortgage can cover part of it. $1,187,459.39 is due at closing. Uses and sources reconcile at $1,462,598.85 each. Not a Closing Disclosure.