Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$1,590,109Cash toward the purchase price.
Closing costs + prepaids$48,152Not just lender fees.
Before credits & paid funds$1,638,261The complete starting cash picture.
Estimated remaining funds due at closing
$1,638,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,590,109.13
Your down payment$1,590,109.13
Closing costs + prepaids$48,151.87
Total buyer cash needed$1,638,261.00
Remaining funds due$1,638,261.00
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%)$26,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,544.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,747.50
Prepaid interest, first (29 days)$2,651.92
Fees + prepaids$48,151.87
Your down payment is the seller’s equity. You take over the $1,108,891 balance, so the rest of the $2,699,000 price is paid at closing. A second mortgage can cover part of it. $1,638,261.00 is due at closing. Uses and sources reconcile at $2,747,151.87 each. Not a Closing Disclosure.