Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$54,582Cash toward the purchase price.
Closing costs + prepaids$47,001Not just lender fees.
Before credits & paid funds$101,583The complete starting cash picture.
Estimated remaining funds due at closing
$101,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,581.95
Your down payment$54,581.95
Closing costs + prepaids$47,000.75
Total buyer cash needed$101,582.69
Remaining funds due$101,582.69
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%)$18,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$9,222.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,989.75
Initial HOA (3 months)$276.00
Prepaid interest, first (26 days)$7,304.91
Fees + prepaids$47,000.75
Your down payment is the seller’s equity. You take over the $1,844,418 balance, so the rest of the $1,899,000 price is paid at closing. A second mortgage can cover part of it. $101,582.69 is due at closing. Uses and sources reconcile at $1,946,000.75 each. Not a Closing Disclosure.