Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$1,131,586Cash toward the purchase price.
Closing costs + prepaids$23,992Not just lender fees.
Before credits & paid funds$1,155,578The complete starting cash picture.
Estimated remaining funds due at closing
$1,155,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,131,586.32
Your down payment$1,131,586.32
Closing costs + prepaids$23,991.53
Total buyer cash needed$1,155,577.85
Remaining funds due$1,155,577.85
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%)$1,587.07
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 (21 days)$693.96
Fees + prepaids$23,991.53
Your down payment is the seller’s equity. You take over the $317,414 balance, so the rest of the $1,449,000 price is paid at closing. A second mortgage can cover part of it. $1,155,577.85 is due at closing. Uses and sources reconcile at $1,472,991.53 each. Not a Closing Disclosure.