Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$946,840Cash toward the purchase price.
Closing costs + prepaids$31,592Not just lender fees.
Before credits & paid funds$978,432The complete starting cash picture.
Estimated remaining funds due at closing
$978,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$946,839.77
Your down payment$946,839.77
Closing costs + prepaids$31,592.17
Total buyer cash needed$978,431.94
Remaining funds due$978,431.94
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%)$16,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,760.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$694.00
Prepaid interest, first (28 days)$3,929.37
Fees + prepaids$31,592.17
Your down payment is the seller’s equity. You take over the $752,160 balance, so the rest of the $1,699,000 price is paid at closing. A second mortgage can cover part of it. $978,431.94 is due at closing. Uses and sources reconcile at $1,730,592.17 each. Not a Closing Disclosure.