Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,391,641Cash toward the purchase price.
Closing costs + prepaids$33,693Not just lender fees.
Before credits & paid funds$1,425,334The complete starting cash picture.
Estimated remaining funds due at closing
$1,425,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,391,640.55
Your down payment$1,391,640.55
Closing costs + prepaids$33,693.13
Total buyer cash needed$1,425,333.68
Remaining funds due$1,425,333.68
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%)$18,998.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,541.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,749.75
Prepaid interest, first (28 days)$1,185.26
Fees + prepaids$33,693.13
Your down payment is the seller’s equity. You take over the $508,247 balance, so the rest of the $1,899,888 price is paid at closing. A second mortgage can cover part of it. $1,425,333.68 is due at closing. Uses and sources reconcile at $1,933,581.13 each. Not a Closing Disclosure.