Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,503,907Cash toward the purchase price.
Closing costs + prepaids$32,669Not just lender fees.
Before credits & paid funds$1,536,576The complete starting cash picture.
Estimated remaining funds due at closing
$1,536,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,503,906.75
Your down payment$1,503,906.75
Closing costs + prepaids$32,669.41
Total buyer cash needed$1,536,576.16
Remaining funds due$1,536,576.16
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%)$19,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,470.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,100.75
Prepaid interest, first (28 days)$900.20
Fees + prepaids$32,669.41
Your down payment is the seller’s equity. You take over the $494,093 balance, so the rest of the $1,998,000 price is paid at closing. A second mortgage can cover part of it. $1,536,576.16 is due at closing. Uses and sources reconcile at $2,030,669.41 each. Not a Closing Disclosure.