Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$391,700Cash toward the purchase price.
Closing costs + prepaids$58,484Not just lender fees.
Before credits & paid funds$450,184The complete starting cash picture.
Estimated remaining funds due at closing
$450,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,699.87
Your down payment$391,699.87
Closing costs + prepaids$58,483.91
Total buyer cash needed$450,183.78
Remaining funds due$450,183.78
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%)$24,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$10,536.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,247.50
Initial HOA (3 months)$975.00
Prepaid interest, first (26 days)$9,516.91
Fees + prepaids$58,483.91
Your down payment is the seller’s equity. You take over the $2,107,300 balance, so the rest of the $2,499,000 price is paid at closing. A second mortgage can cover part of it. $450,183.78 is due at closing. Uses and sources reconcile at $2,557,483.91 each. Not a Closing Disclosure.