Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$1,227,203Cash toward the purchase price.
Closing costs + prepaids$49,727Not just lender fees.
Before credits & paid funds$1,276,930The complete starting cash picture.
Estimated remaining funds due at closing
$1,276,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,227,203.48
Your down payment$1,227,203.48
Closing costs + prepaids$49,726.99
Total buyer cash needed$1,276,930.47
Remaining funds due$1,276,930.47
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%)$25,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,858.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,497.50
Initial HOA (3 months)$108.00
Prepaid interest, first (29 days)$4,054.50
Fees + prepaids$49,726.99
Your down payment is the seller’s equity. You take over the $1,371,797 balance, so the rest of the $2,599,000 price is paid at closing. A second mortgage can cover part of it. $1,276,930.47 is due at closing. Uses and sources reconcile at $2,648,726.99 each. Not a Closing Disclosure.