Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,145,920Cash toward the purchase price.
Closing costs + prepaids$27,293Not just lender fees.
Before credits & paid funds$1,173,213The complete starting cash picture.
Estimated remaining funds due at closing
$1,173,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,145,919.68
Your down payment$1,145,919.68
Closing costs + prepaids$27,293.38
Total buyer cash needed$1,173,213.06
Remaining funds due$1,173,213.06
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%)$16,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,769.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,244.25
Prepaid interest, first (1 days)$62.23
Fees + prepaids$27,293.38
Your down payment is the seller’s equity. You take over the $553,980 balance, so the rest of the $1,699,900 price is paid at closing. A second mortgage can cover part of it. $1,173,213.06 is due at closing. Uses and sources reconcile at $1,727,193.38 each. Not a Closing Disclosure.