Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$313,467Cash toward the purchase price.
Closing costs + prepaids$43,142Not just lender fees.
Before credits & paid funds$356,609The complete starting cash picture.
Estimated remaining funds due at closing
$356,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,467.32
Your down payment$313,467.32
Closing costs + prepaids$43,141.51
Total buyer cash needed$356,608.83
Remaining funds due$356,608.83
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%)$18,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,682.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,195.00
Prepaid interest, first (25 days)$7,545.85
Fees + prepaids$43,141.51
Your down payment is the seller’s equity. You take over the $1,536,533 balance, so the rest of the $1,850,000 price is paid at closing. A second mortgage can cover part of it. $356,608.83 is due at closing. Uses and sources reconcile at $1,893,141.51 each. Not a Closing Disclosure.