Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,364,573Cash toward the purchase price.
Closing costs + prepaids$28,649Not just lender fees.
Before credits & paid funds$1,393,222The complete starting cash picture.
Estimated remaining funds due at closing
$1,393,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,364,572.98
Your down payment$1,364,572.98
Closing costs + prepaids$28,648.88
Total buyer cash needed$1,393,221.86
Remaining funds due$1,393,221.86
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%)$17,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,052.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,583.00
Prepaid interest, first (31 days)$1,045.75
Fees + prepaids$28,648.88
Your down payment is the seller’s equity. You take over the $410,427 balance, so the rest of the $1,775,000 price is paid at closing. A second mortgage can cover part of it. $1,393,221.86 is due at closing. Uses and sources reconcile at $1,803,648.88 each. Not a Closing Disclosure.