Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,441,818Cash toward the purchase price.
Closing costs + prepaids$26,542Not just lender fees.
Before credits & paid funds$1,468,360The complete starting cash picture.
Estimated remaining funds due at closing
$1,468,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,441,818.40
Your down payment$1,441,818.40
Closing costs + prepaids$26,541.61
Total buyer cash needed$1,468,360.01
Remaining funds due$1,468,360.01
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%)$16,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,015.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,637.00
Initial HOA (3 months)$615.00
Prepaid interest, first (31 days)$605.70
Fees + prepaids$26,541.61
Your down payment is the seller’s equity. You take over the $203,182 balance, so the rest of the $1,645,000 price is paid at closing. A second mortgage can cover part of it. $1,468,360.01 is due at closing. Uses and sources reconcile at $1,671,541.61 each. Not a Closing Disclosure.