Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,621,198Cash toward the purchase price.
Closing costs + prepaids$33,524Not just lender fees.
Before credits & paid funds$1,654,723The complete starting cash picture.
Estimated remaining funds due at closing
$1,654,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,621,198.39
Your down payment$1,621,198.39
Closing costs + prepaids$33,524.44
Total buyer cash needed$1,654,722.83
Remaining funds due$1,654,722.83
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%)$19,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,794.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,950.00
Prepaid interest, first (28 days)$762.43
Fees + prepaids$33,524.44
Your down payment is the seller’s equity. You take over the $358,802 balance, so the rest of the $1,980,000 price is paid at closing. A second mortgage can cover part of it. $1,654,722.83 is due at closing. Uses and sources reconcile at $2,013,524.44 each. Not a Closing Disclosure.