Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$1,145,260Cash toward the purchase price.
Closing costs + prepaids$30,432Not just lender fees.
Before credits & paid funds$1,175,692The complete starting cash picture.
Estimated remaining funds due at closing
$1,175,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,145,259.88
Your down payment$1,145,259.88
Closing costs + prepaids$30,431.87
Total buyer cash needed$1,175,691.75
Remaining funds due$1,175,691.75
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%)$17,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,168.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,134.75
Prepaid interest, first (9 days)$1,120.42
Fees + prepaids$30,431.87
Your down payment is the seller’s equity. You take over the $633,740 balance, so the rest of the $1,779,000 price is paid at closing. A second mortgage can cover part of it. $1,175,691.75 is due at closing. Uses and sources reconcile at $1,809,431.87 each. Not a Closing Disclosure.