Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,058,510Cash toward the purchase price.
Closing costs + prepaids$42,127Not just lender fees.
Before credits & paid funds$1,100,637The complete starting cash picture.
Estimated remaining funds due at closing
$1,100,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,058,510.06
Your down payment$1,058,510.06
Closing costs + prepaids$42,126.75
Total buyer cash needed$1,100,636.81
Remaining funds due$1,100,636.81
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%)$21,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,207.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,250.00
Prepaid interest, first (26 days)$4,451.30
Fees + prepaids$42,126.75
Your down payment is the seller’s equity. You take over the $1,041,490 balance, so the rest of the $2,100,000 price is paid at closing. A second mortgage can cover part of it. $1,100,636.81 is due at closing. Uses and sources reconcile at $2,142,126.75 each. Not a Closing Disclosure.