Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$1,529,489Cash toward the purchase price.
Closing costs + prepaids$30,866Not just lender fees.
Before credits & paid funds$1,560,355The complete starting cash picture.
Estimated remaining funds due at closing
$1,560,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,529,488.95
Your down payment$1,529,488.95
Closing costs + prepaids$30,865.57
Total buyer cash needed$1,560,354.52
Remaining funds due$1,560,354.52
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%)$18,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,727.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,116.25
Prepaid interest, first (22 days)$1,053.76
Fees + prepaids$30,865.57
Your down payment is the seller’s equity. You take over the $345,511 balance, so the rest of the $1,875,000 price is paid at closing. A second mortgage can cover part of it. $1,560,354.52 is due at closing. Uses and sources reconcile at $1,905,865.57 each. Not a Closing Disclosure.