Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$405,351Cash toward the purchase price.
Closing costs + prepaids$40,387Not just lender fees.
Before credits & paid funds$445,738The complete starting cash picture.
Estimated remaining funds due at closing
$445,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$405,350.85
Your down payment$405,350.85
Closing costs + prepaids$40,387.38
Total buyer cash needed$445,738.24
Remaining funds due$445,738.24
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%)$19,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,723.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,883.50
Prepaid interest, first (24 days)$4,062.64
Fees + prepaids$40,387.38
Your down payment is the seller’s equity. You take over the $1,544,649 balance, so the rest of the $1,950,000 price is paid at closing. A second mortgage can cover part of it. $445,738.24 is due at closing. Uses and sources reconcile at $1,990,387.38 each. Not a Closing Disclosure.