Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$1,100,799Cash toward the purchase price.
Closing costs + prepaids$28,312Not just lender fees.
Before credits & paid funds$1,129,111The complete starting cash picture.
Estimated remaining funds due at closing
$1,129,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,100,799.24
Your down payment$1,100,799.24
Closing costs + prepaids$28,311.61
Total buyer cash needed$1,129,110.85
Remaining funds due$1,129,110.85
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%)$15,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,196.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,850.00
Prepaid interest, first (18 days)$647.61
Fees + prepaids$28,311.61
Your down payment is the seller’s equity. You take over the $439,201 balance, so the rest of the $1,540,000 price is paid at closing. A second mortgage can cover part of it. $1,129,110.85 is due at closing. Uses and sources reconcile at $1,568,311.61 each. Not a Closing Disclosure.