Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,130,855Cash toward the purchase price.
Closing costs + prepaids$23,334Not just lender fees.
Before credits & paid funds$1,154,190The complete starting cash picture.
Estimated remaining funds due at closing
$1,154,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,130,855.26
Your down payment$1,130,855.26
Closing costs + prepaids$23,334.35
Total buyer cash needed$1,154,189.60
Remaining funds due$1,154,189.60
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%)$14,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,590.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,002.50
Prepaid interest, first (1 days)$33.12
Fees + prepaids$23,334.35
Your down payment is the seller’s equity. You take over the $318,145 balance, so the rest of the $1,449,000 price is paid at closing. A second mortgage can cover part of it. $1,154,189.60 is due at closing. Uses and sources reconcile at $1,472,334.35 each. Not a Closing Disclosure.