Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$1,060,453Cash toward the purchase price.
Closing costs + prepaids$29,888Not just lender fees.
Before credits & paid funds$1,090,341The complete starting cash picture.
Estimated remaining funds due at closing
$1,090,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,060,452.86
Your down payment$1,060,452.86
Closing costs + prepaids$29,887.96
Total buyer cash needed$1,090,340.82
Remaining funds due$1,090,340.82
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%)$17,174.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,285.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,061.00
Initial HOA (3 months)$231.75
Prepaid interest, first (18 days)$916.98
Fees + prepaids$29,887.96
Your down payment is the seller’s equity. You take over the $657,046 balance, so the rest of the $1,717,499 price is paid at closing. A second mortgage can cover part of it. $1,090,340.82 is due at closing. Uses and sources reconcile at $1,747,386.96 each. Not a Closing Disclosure.