Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,185,816Cash toward the purchase price.
Closing costs + prepaids$28,816Not just lender fees.
Before credits & paid funds$1,214,632The complete starting cash picture.
Estimated remaining funds due at closing
$1,214,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,185,816.02
Your down payment$1,185,816.02
Closing costs + prepaids$28,815.74
Total buyer cash needed$1,214,631.76
Remaining funds due$1,214,631.76
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%)$17,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,045.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,552.75
Prepaid interest, first (1 days)$49.07
Fees + prepaids$28,815.74
Your down payment is the seller’s equity. You take over the $609,184 balance, so the rest of the $1,795,000 price is paid at closing. A second mortgage can cover part of it. $1,214,631.76 is due at closing. Uses and sources reconcile at $1,823,815.74 each. Not a Closing Disclosure.