Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,332,373Cash toward the purchase price.
Closing costs + prepaids$27,408Not just lender fees.
Before credits & paid funds$1,359,781The complete starting cash picture.
Estimated remaining funds due at closing
$1,359,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,332,372.54
Your down payment$1,332,372.54
Closing costs + prepaids$27,408.13
Total buyer cash needed$1,359,780.67
Remaining funds due$1,359,780.67
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%)$16,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,788.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,706.50
Initial HOA (3 months)$771.00
Prepaid interest, first (1 days)$24.50
Fees + prepaids$27,408.13
Your down payment is the seller’s equity. You take over the $357,627 balance, so the rest of the $1,690,000 price is paid at closing. A second mortgage can cover part of it. $1,359,780.67 is due at closing. Uses and sources reconcile at $1,717,408.13 each. Not a Closing Disclosure.