Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$941,864Cash toward the purchase price.
Closing costs + prepaids$29,338Not just lender fees.
Before credits & paid funds$971,202The complete starting cash picture.
Estimated remaining funds due at closing
$971,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$941,864.39
Your down payment$941,864.39
Closing costs + prepaids$29,337.85
Total buyer cash needed$971,202.23
Remaining funds due$971,202.23
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%)$16,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,665.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,010.00
Prepaid interest, first (12 days)$694.17
Fees + prepaids$29,337.85
Your down payment is the seller’s equity. You take over the $733,136 balance, so the rest of the $1,675,000 price is paid at closing. A second mortgage can cover part of it. $971,202.23 is due at closing. Uses and sources reconcile at $1,704,337.85 each. Not a Closing Disclosure.