Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,174,435Cash toward the purchase price.
Closing costs + prepaids$29,618Not just lender fees.
Before credits & paid funds$1,204,054The complete starting cash picture.
Estimated remaining funds due at closing
$1,204,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,174,435.29
Your down payment$1,174,435.29
Closing costs + prepaids$29,618.44
Total buyer cash needed$1,204,053.73
Remaining funds due$1,204,053.73
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%)$18,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,377.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,206.00
Initial HOA (3 months)$249.99
Prepaid interest, first (1 days)$66.63
Fees + prepaids$29,618.44
Your down payment is the seller’s equity. You take over the $675,565 balance, so the rest of the $1,850,000 price is paid at closing. A second mortgage can cover part of it. $1,204,053.73 is due at closing. Uses and sources reconcile at $1,879,618.44 each. Not a Closing Disclosure.