Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$1,375,267Cash toward the purchase price.
Closing costs + prepaids$28,435Not just lender fees.
Before credits & paid funds$1,403,702The complete starting cash picture.
Estimated remaining funds due at closing
$1,403,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,375,266.53
Your down payment$1,375,266.53
Closing costs + prepaids$28,435.28
Total buyer cash needed$1,403,701.81
Remaining funds due$1,403,701.81
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%)$17,620.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,933.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,202.50
Prepaid interest, first (16 days)$461.11
Fees + prepaids$28,435.28
Your down payment is the seller’s equity. You take over the $386,733 balance, so the rest of the $1,762,000 price is paid at closing. A second mortgage can cover part of it. $1,403,701.81 is due at closing. Uses and sources reconcile at $1,790,435.28 each. Not a Closing Disclosure.