Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,140,546Cash toward the purchase price.
Closing costs + prepaids$30,358Not just lender fees.
Before credits & paid funds$1,170,904The complete starting cash picture.
Estimated remaining funds due at closing
$1,170,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,140,546.21
Your down payment$1,140,546.21
Closing costs + prepaids$30,357.92
Total buyer cash needed$1,170,904.13
Remaining funds due$1,170,904.13
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%)$16,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,542.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,122.50
Prepaid interest, first (26 days)$985.15
Fees + prepaids$30,357.92
Your down payment is the seller’s equity. You take over the $508,454 balance, so the rest of the $1,649,000 price is paid at closing. A second mortgage can cover part of it. $1,170,904.13 is due at closing. Uses and sources reconcile at $1,679,357.92 each. Not a Closing Disclosure.