Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,060,454Cash toward the purchase price.
Closing costs + prepaids$29,402Not just lender fees.
Before credits & paid funds$1,089,856The complete starting cash picture.
Estimated remaining funds due at closing
$1,089,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,060,453.86
Your down payment$1,060,453.86
Closing costs + prepaids$29,401.98
Total buyer cash needed$1,089,855.84
Remaining funds due$1,089,855.84
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%)$17,175.00
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)$912.75
Initial HOA (3 months)$231.75
Prepaid interest, first (31 days)$1,579.25
Fees + prepaids$29,401.98
Your down payment is the seller’s equity. You take over the $657,046 balance, so the rest of the $1,717,500 price is paid at closing. A second mortgage can cover part of it. $1,089,855.84 is due at closing. Uses and sources reconcile at $1,746,901.98 each. Not a Closing Disclosure.