Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$176,641Cash toward the purchase price.
Closing costs + prepaids$46,138Not just lender fees.
Before credits & paid funds$222,779The complete starting cash picture.
Estimated remaining funds due at closing
$222,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,641.30
Your down payment$176,641.30
Closing costs + prepaids$46,138.19
Total buyer cash needed$222,779.49
Remaining funds due$222,779.49
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%)$19,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$8,866.79
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,621.50
Initial HOA (3 months)$219.00
Prepaid interest, first (25 days)$7,712.90
Fees + prepaids$46,138.19
Your down payment is the seller’s equity. You take over the $1,773,359 balance, so the rest of the $1,950,000 price is paid at closing. A second mortgage can cover part of it. $222,779.49 is due at closing. Uses and sources reconcile at $1,996,138.19 each. Not a Closing Disclosure.