Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$1,220,872Cash toward the purchase price.
Closing costs + prepaids$35,621Not just lender fees.
Before credits & paid funds$1,256,493The complete starting cash picture.
Estimated remaining funds due at closing
$1,256,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,220,872.31
Your down payment$1,220,872.31
Closing costs + prepaids$35,620.66
Total buyer cash needed$1,256,492.97
Remaining funds due$1,256,492.97
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%)$21,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,645.59
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,528.25
Prepaid interest, first (24 days)$1,728.92
Fees + prepaids$35,620.66
Your down payment is the seller’s equity. You take over the $929,118 balance, so the rest of the $2,149,990 price is paid at closing. A second mortgage can cover part of it. $1,256,492.97 is due at closing. Uses and sources reconcile at $2,185,610.66 each. Not a Closing Disclosure.