Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$1,131,477Cash toward the purchase price.
Closing costs + prepaids$35,383Not just lender fees.
Before credits & paid funds$1,166,860The complete starting cash picture.
Estimated remaining funds due at closing
$1,166,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,131,477.22
Your down payment$1,131,477.22
Closing costs + prepaids$35,382.75
Total buyer cash needed$1,166,859.97
Remaining funds due$1,166,859.97
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%)$20,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,592.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,460.00
Initial HOA (3 months)$255.99
Prepaid interest, first (17 days)$1,356.14
Fees + prepaids$35,382.75
Your down payment is the seller’s equity. You take over the $918,523 balance, so the rest of the $2,050,000 price is paid at closing. A second mortgage can cover part of it. $1,166,859.97 is due at closing. Uses and sources reconcile at $2,085,382.75 each. Not a Closing Disclosure.