Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$999,264Cash toward the purchase price.
Closing costs + prepaids$30,064Not just lender fees.
Before credits & paid funds$1,029,328The complete starting cash picture.
Estimated remaining funds due at closing
$1,029,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$999,263.77
Your down payment$999,263.77
Closing costs + prepaids$30,064.01
Total buyer cash needed$1,029,327.79
Remaining funds due$1,029,327.79
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%)$17,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,678.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,082.00
Prepaid interest, first (12 days)$735.33
Fees + prepaids$30,064.01
Your down payment is the seller’s equity. You take over the $735,736 balance, so the rest of the $1,735,000 price is paid at closing. A second mortgage can cover part of it. $1,029,327.79 is due at closing. Uses and sources reconcile at $1,765,064.01 each. Not a Closing Disclosure.