Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$1,495,168Cash toward the purchase price.
Closing costs + prepaids$35,772Not just lender fees.
Before credits & paid funds$1,530,939The complete starting cash picture.
Estimated remaining funds due at closing
$1,530,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,495,167.54
Your down payment$1,495,167.54
Closing costs + prepaids$35,771.93
Total buyer cash needed$1,530,939.46
Remaining funds due$1,530,939.46
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%)$20,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,674.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,075.00
Initial HOA (3 months)$186.00
Prepaid interest, first (24 days)$1,318.76
Fees + prepaids$35,771.93
Your down payment is the seller’s equity. You take over the $534,832 balance, so the rest of the $2,030,000 price is paid at closing. A second mortgage can cover part of it. $1,530,939.46 is due at closing. Uses and sources reconcile at $2,065,771.93 each. Not a Closing Disclosure.