Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$1,653,082Cash toward the purchase price.
Closing costs + prepaids$31,706Not just lender fees.
Before credits & paid funds$1,684,787The complete starting cash picture.
Estimated remaining funds due at closing
$1,684,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,653,081.87
Your down payment$1,653,081.87
Closing costs + prepaids$31,705.63
Total buyer cash needed$1,684,787.50
Remaining funds due$1,684,787.50
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%)$19,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,734.59
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,225.75
Initial HOA (3 months)$900.00
Prepaid interest, first (22 days)$627.30
Fees + prepaids$31,705.63
Your down payment is the seller’s equity. You take over the $346,917 balance, so the rest of the $1,999,999 price is paid at closing. A second mortgage can cover part of it. $1,684,787.50 is due at closing. Uses and sources reconcile at $2,031,704.63 each. Not a Closing Disclosure.