Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,319,035Cash toward the purchase price.
Closing costs + prepaids$37,046Not just lender fees.
Before credits & paid funds$1,356,081The complete starting cash picture.
Estimated remaining funds due at closing
$1,356,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,319,035.01
Your down payment$1,319,035.01
Closing costs + prepaids$37,046.04
Total buyer cash needed$1,356,081.05
Remaining funds due$1,356,081.05
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%)$19,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,399.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,997.50
Initial HOA (3 months)$855.00
Prepaid interest, first (28 days)$1,585.72
Fees + prepaids$37,046.04
Your down payment is the seller’s equity. You take over the $679,965 balance, so the rest of the $1,999,000 price is paid at closing. A second mortgage can cover part of it. $1,356,081.05 is due at closing. Uses and sources reconcile at $2,036,046.04 each. Not a Closing Disclosure.