Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$1,474,901Cash toward the purchase price.
Closing costs + prepaids$24,341Not just lender fees.
Before credits & paid funds$1,499,242The complete starting cash picture.
Estimated remaining funds due at closing
$1,499,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,474,901.47
Your down payment$1,474,901.47
Closing costs + prepaids$24,340.88
Total buyer cash needed$1,499,242.35
Remaining funds due$1,499,242.35
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%)$16,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,000.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$38.25
Prepaid interest, first (23 days)$334.14
Fees + prepaids$24,340.88
Your down payment is the seller’s equity. You take over the $200,099 balance, so the rest of the $1,675,000 price is paid at closing. A second mortgage can cover part of it. $1,499,242.35 is due at closing. Uses and sources reconcile at $1,699,340.88 each. Not a Closing Disclosure.