Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,265,468Cash toward the purchase price.
Closing costs + prepaids$33,459Not just lender fees.
Before credits & paid funds$1,298,927The complete starting cash picture.
Estimated remaining funds due at closing
$1,298,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,265,468.21
Your down payment$1,265,468.21
Closing costs + prepaids$33,458.71
Total buyer cash needed$1,298,926.92
Remaining funds due$1,298,926.92
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%)$18,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,922.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,624.75
Prepaid interest, first (26 days)$1,194.80
Fees + prepaids$33,458.71
Your down payment is the seller’s equity. You take over the $584,432 balance, so the rest of the $1,849,900 price is paid at closing. A second mortgage can cover part of it. $1,298,926.92 is due at closing. Uses and sources reconcile at $1,883,358.71 each. Not a Closing Disclosure.