Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$1,016,215Cash toward the purchase price.
Closing costs + prepaids$50,469Not just lender fees.
Before credits & paid funds$1,066,684The complete starting cash picture.
Estimated remaining funds due at closing
$1,066,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,016,215.13
Your down payment$1,016,215.13
Closing costs + prepaids$50,469.20
Total buyer cash needed$1,066,684.34
Remaining funds due$1,066,684.34
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%)$26,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$8,418.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,760.00
Initial HOA (3 months)$399.99
Prepaid interest, first (25 days)$5,673.79
Fees + prepaids$50,469.20
Your down payment is the seller’s equity. You take over the $1,683,685 balance, so the rest of the $2,699,900 price is paid at closing. A second mortgage can cover part of it. $1,066,684.34 is due at closing. Uses and sources reconcile at $2,750,369.20 each. Not a Closing Disclosure.