Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,506,020Cash toward the purchase price.
Closing costs + prepaids$28,640Not just lender fees.
Before credits & paid funds$1,534,660The complete starting cash picture.
Estimated remaining funds due at closing
$1,534,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,506,020.25
Your down payment$1,506,020.25
Closing costs + prepaids$28,639.87
Total buyer cash needed$1,534,660.12
Remaining funds due$1,534,660.12
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%)$18,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,969.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,013.00
Initial HOA (3 months)$404.01
Prepaid interest, first (1 days)$34.97
Fees + prepaids$28,639.87
Your down payment is the seller’s equity. You take over the $393,979 balance, so the rest of the $1,899,999 price is paid at closing. A second mortgage can cover part of it. $1,534,660.12 is due at closing. Uses and sources reconcile at $1,928,638.87 each. Not a Closing Disclosure.