Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$1,187,206Cash toward the purchase price.
Closing costs + prepaids$29,739Not just lender fees.
Before credits & paid funds$1,216,945The complete starting cash picture.
Estimated remaining funds due at closing
$1,216,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,187,206.41
Your down payment$1,187,206.41
Closing costs + prepaids$29,738.85
Total buyer cash needed$1,216,945.26
Remaining funds due$1,216,945.26
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%)$17,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,038.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,552.75
Prepaid interest, first (20 days)$979.13
Fees + prepaids$29,738.85
Your down payment is the seller’s equity. You take over the $607,794 balance, so the rest of the $1,795,000 price is paid at closing. A second mortgage can cover part of it. $1,216,945.26 is due at closing. Uses and sources reconcile at $1,824,738.85 each. Not a Closing Disclosure.