Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,315,951Cash toward the purchase price.
Closing costs + prepaids$27,760Not just lender fees.
Before credits & paid funds$1,343,712The complete starting cash picture.
Estimated remaining funds due at closing
$1,343,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,315,951.10
Your down payment$1,315,951.10
Closing costs + prepaids$27,760.42
Total buyer cash needed$1,343,711.52
Remaining funds due$1,343,711.52
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%)$17,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,145.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$524.25
Initial HOA (3 months)$234.99
Prepaid interest, first (31 days)$1,187.94
Fees + prepaids$27,760.42
Your down payment is the seller’s equity. You take over the $429,049 balance, so the rest of the $1,745,000 price is paid at closing. A second mortgage can cover part of it. $1,343,711.52 is due at closing. Uses and sources reconcile at $1,772,760.42 each. Not a Closing Disclosure.