Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$915,864Cash toward the purchase price.
Closing costs + prepaids$28,700Not just lender fees.
Before credits & paid funds$944,564The complete starting cash picture.
Estimated remaining funds due at closing
$944,564No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$915,864.39
Your down payment$915,864.39
Closing costs + prepaids$28,699.51
Total buyer cash needed$944,563.90
Remaining funds due$944,563.90
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%)$16,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,665.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,978.75
Prepaid interest, first (6 days)$347.08
Fees + prepaids$28,699.51
Your down payment is the seller’s equity. You take over the $733,136 balance, so the rest of the $1,649,000 price is paid at closing. A second mortgage can cover part of it. $944,563.90 is due at closing. Uses and sources reconcile at $1,677,699.51 each. Not a Closing Disclosure.