Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$1,049,511Cash toward the purchase price.
Closing costs + prepaids$32,923Not just lender fees.
Before credits & paid funds$1,082,435The complete starting cash picture.
Estimated remaining funds due at closing
$1,082,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,049,511.25
Your down payment$1,049,511.25
Closing costs + prepaids$32,923.47
Total buyer cash needed$1,082,434.72
Remaining funds due$1,082,434.72
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%)$16,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,227.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,237.50
Initial HOA (3 months)$75.00
Prepaid interest, first (29 days)$2,215.53
Fees + prepaids$32,923.47
Your down payment is the seller’s equity. You take over the $645,489 balance, so the rest of the $1,695,000 price is paid at closing. A second mortgage can cover part of it. $1,082,434.72 is due at closing. Uses and sources reconcile at $1,727,923.47 each. Not a Closing Disclosure.