Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$1,085,377Cash toward the purchase price.
Closing costs + prepaids$39,396Not just lender fees.
Before credits & paid funds$1,124,772The complete starting cash picture.
Estimated remaining funds due at closing
$1,124,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,085,376.84
Your down payment$1,085,376.84
Closing costs + prepaids$39,395.55
Total buyer cash needed$1,124,772.39
Remaining funds due$1,124,772.39
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%)$21,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,548.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,801.75
Initial HOA (3 months)$134.76
Prepaid interest, first (18 days)$3,742.93
Fees + prepaids$39,395.55
Your down payment is the seller’s equity. You take over the $1,109,623 balance, so the rest of the $2,195,000 price is paid at closing. A second mortgage can cover part of it. $1,124,772.39 is due at closing. Uses and sources reconcile at $2,234,395.55 each. Not a Closing Disclosure.