Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$796,432Cash toward the purchase price.
Closing costs + prepaids$30,245Not just lender fees.
Before credits & paid funds$826,677The complete starting cash picture.
Estimated remaining funds due at closing
$826,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$796,431.75
Your down payment$796,431.75
Closing costs + prepaids$30,244.94
Total buyer cash needed$826,676.69
Remaining funds due$826,676.69
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%)$17,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,517.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,040.00
Initial HOA (3 months)$24.99
Prepaid interest, first (6 days)$444.11
Fees + prepaids$30,244.94
Your down payment is the seller’s equity. You take over the $903,568 balance, so the rest of the $1,700,000 price is paid at closing. A second mortgage can cover part of it. $826,676.69 is due at closing. Uses and sources reconcile at $1,730,244.94 each. Not a Closing Disclosure.