Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$1,293,852Cash toward the purchase price.
Closing costs + prepaids$33,761Not just lender fees.
Before credits & paid funds$1,327,613The complete starting cash picture.
Estimated remaining funds due at closing
$1,327,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,293,852.15
Your down payment$1,293,852.15
Closing costs + prepaids$33,761.31
Total buyer cash needed$1,327,613.46
Remaining funds due$1,327,613.46
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%)$18,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,775.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,622.50
Initial HOA (3 months)$579.00
Prepaid interest, first (25 days)$1,076.07
Fees + prepaids$33,761.31
Your down payment is the seller’s equity. You take over the $555,148 balance, so the rest of the $1,849,000 price is paid at closing. A second mortgage can cover part of it. $1,327,613.46 is due at closing. Uses and sources reconcile at $1,882,761.31 each. Not a Closing Disclosure.