Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$1,663,963Cash toward the purchase price.
Closing costs + prepaids$35,650Not just lender fees.
Before credits & paid funds$1,699,613The complete starting cash picture.
Estimated remaining funds due at closing
$1,699,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,663,963.23
Your down payment$1,663,963.23
Closing costs + prepaids$35,650.05
Total buyer cash needed$1,699,613.27
Remaining funds due$1,699,613.27
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%)$22,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,005.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,726.75
Prepaid interest, first (25 days)$2,050.11
Fees + prepaids$35,650.05
Your down payment is the seller’s equity. You take over the $601,037 balance, so the rest of the $2,265,000 price is paid at closing. A second mortgage can cover part of it. $1,699,613.27 is due at closing. Uses and sources reconcile at $2,300,650.05 each. Not a Closing Disclosure.