Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$214,128Cash toward the purchase price.
Closing costs + prepaids$51,695Not just lender fees.
Before credits & paid funds$265,823The complete starting cash picture.
Estimated remaining funds due at closing
$265,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,128.36
Your down payment$214,128.36
Closing costs + prepaids$51,694.93
Total buyer cash needed$265,823.29
Remaining funds due$265,823.29
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%)$21,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$9,554.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,764.25
Prepaid interest, first (24 days)$8,908.33
Fees + prepaids$51,694.93
Your down payment is the seller’s equity. You take over the $1,910,872 balance, so the rest of the $2,125,000 price is paid at closing. A second mortgage can cover part of it. $265,823.29 is due at closing. Uses and sources reconcile at $2,176,694.93 each. Not a Closing Disclosure.