Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,065,352Cash toward the purchase price.
Closing costs + prepaids$56,690Not just lender fees.
Before credits & paid funds$1,122,042The complete starting cash picture.
Estimated remaining funds due at closing
$1,122,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,065,352.13
Your down payment$1,065,352.13
Closing costs + prepaids$56,689.79
Total buyer cash needed$1,122,041.92
Remaining funds due$1,122,041.92
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%)$29,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$9,173.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$7,250.00
Prepaid interest, first (27 days)$5,048.55
Fees + prepaids$56,689.79
Your down payment is the seller’s equity. You take over the $1,834,648 balance, so the rest of the $2,900,000 price is paid at closing. A second mortgage can cover part of it. $1,122,041.92 is due at closing. Uses and sources reconcile at $2,956,689.79 each. Not a Closing Disclosure.