Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,032,049Cash toward the purchase price.
Closing costs + prepaids$42,931Not just lender fees.
Before credits & paid funds$1,074,980The complete starting cash picture.
Estimated remaining funds due at closing
$1,074,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,032,049.11
Your down payment$1,032,049.11
Closing costs + prepaids$42,931.39
Total buyer cash needed$1,074,980.50
Remaining funds due$1,074,980.50
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%)$22,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,089.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,625.00
Prepaid interest, first (26 days)$2,498.63
Fees + prepaids$42,931.39
Your down payment is the seller’s equity. You take over the $1,217,951 balance, so the rest of the $2,250,000 price is paid at closing. A second mortgage can cover part of it. $1,074,980.50 is due at closing. Uses and sources reconcile at $2,292,931.39 each. Not a Closing Disclosure.