Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,445,377Cash toward the purchase price.
Closing costs + prepaids$32,007Not just lender fees.
Before credits & paid funds$1,477,385The complete starting cash picture.
Estimated remaining funds due at closing
$1,477,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,445,377.48
Your down payment$1,445,377.48
Closing costs + prepaids$32,007.30
Total buyer cash needed$1,477,384.78
Remaining funds due$1,477,384.78
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%)$19,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,770.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,601.75
Initial HOA (3 months)$222.00
Prepaid interest, first (26 days)$1,199.94
Fees + prepaids$32,007.30
Your down payment is the seller’s equity. You take over the $554,123 balance, so the rest of the $1,999,500 price is paid at closing. A second mortgage can cover part of it. $1,477,384.78 is due at closing. Uses and sources reconcile at $2,031,507.30 each. Not a Closing Disclosure.