Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$891,691Cash toward the purchase price.
Closing costs + prepaids$39,050Not just lender fees.
Before credits & paid funds$930,741The complete starting cash picture.
Estimated remaining funds due at closing
$930,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$891,690.94
Your down payment$891,690.94
Closing costs + prepaids$39,050.36
Total buyer cash needed$930,741.30
Remaining funds due$930,741.30
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%)$19,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,516.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,987.50
Prepaid interest, first (28 days)$2,378.31
Fees + prepaids$39,050.36
Your down payment is the seller’s equity. You take over the $1,103,309 balance, so the rest of the $1,995,000 price is paid at closing. A second mortgage can cover part of it. $930,741.30 is due at closing. Uses and sources reconcile at $2,034,050.36 each. Not a Closing Disclosure.