Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,147,377Cash toward the purchase price.
Closing costs + prepaids$28,900Not just lender fees.
Before credits & paid funds$1,176,277The complete starting cash picture.
Estimated remaining funds due at closing
$1,176,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,147,377.36
Your down payment$1,147,377.36
Closing costs + prepaids$28,899.60
Total buyer cash needed$1,176,276.96
Remaining funds due$1,176,276.96
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%)$2,762.61
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 (27 days)$1,675.73
Fees + prepaids$28,899.60
Your down payment is the seller’s equity. You take over the $552,523 balance, so the rest of the $1,699,900 price is paid at closing. A second mortgage can cover part of it. $1,176,276.96 is due at closing. Uses and sources reconcile at $1,728,799.60 each. Not a Closing Disclosure.