Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,491,593Cash toward the purchase price.
Closing costs + prepaids$31,883Not just lender fees.
Before credits & paid funds$1,523,476The complete starting cash picture.
Estimated remaining funds due at closing
$1,523,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,491,593.37
Your down payment$1,491,593.37
Closing costs + prepaids$31,882.88
Total buyer cash needed$1,523,476.24
Remaining funds due$1,523,476.24
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%)$18,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,792.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,625.00
Prepaid interest, first (28 days)$747.84
Fees + prepaids$31,882.88
Your down payment is the seller’s equity. You take over the $358,407 balance, so the rest of the $1,850,000 price is paid at closing. A second mortgage can cover part of it. $1,523,476.24 is due at closing. Uses and sources reconcile at $1,881,882.88 each. Not a Closing Disclosure.