Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,441,062Cash toward the purchase price.
Closing costs + prepaids$25,959Not just lender fees.
Before credits & paid funds$1,467,021The complete starting cash picture.
Estimated remaining funds due at closing
$1,467,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,441,061.61
Your down payment$1,441,061.61
Closing costs + prepaids$25,959.30
Total buyer cash needed$1,467,020.92
Remaining funds due$1,467,020.92
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%)$1,019.69
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 (1 days)$19.61
Fees + prepaids$25,959.30
Your down payment is the seller’s equity. You take over the $203,938 balance, so the rest of the $1,645,000 price is paid at closing. A second mortgage can cover part of it. $1,467,020.92 is due at closing. Uses and sources reconcile at $1,670,959.30 each. Not a Closing Disclosure.