Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,004,339Cash toward the purchase price.
Closing costs + prepaids$51,546Not just lender fees.
Before credits & paid funds$1,055,885The complete starting cash picture.
Estimated remaining funds due at closing
$1,055,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,004,338.90
Your down payment$1,004,338.90
Closing costs + prepaids$51,545.99
Total buyer cash needed$1,055,884.89
Remaining funds due$1,055,884.89
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%)$26,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$8,477.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,760.00
Initial HOA (3 months)$399.99
Prepaid interest, first (26 days)$6,691.20
Fees + prepaids$51,545.99
Your down payment is the seller’s equity. You take over the $1,695,561 balance, so the rest of the $2,699,900 price is paid at closing. A second mortgage can cover part of it. $1,055,884.89 is due at closing. Uses and sources reconcile at $2,751,445.99 each. Not a Closing Disclosure.