Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,094,992Cash toward the purchase price.
Closing costs + prepaids$39,550Not just lender fees.
Before credits & paid funds$1,134,542The complete starting cash picture.
Estimated remaining funds due at closing
$1,134,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,094,991.82
Your down payment$1,094,991.82
Closing costs + prepaids$39,550.44
Total buyer cash needed$1,134,542.26
Remaining funds due$1,134,542.26
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%)$21,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,275.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,316.50
Initial HOA (3 months)$62.49
Prepaid interest, first (26 days)$4,178.41
Fees + prepaids$39,550.44
Your down payment is the seller’s equity. You take over the $1,055,008 balance, so the rest of the $2,150,000 price is paid at closing. A second mortgage can cover part of it. $1,134,542.26 is due at closing. Uses and sources reconcile at $2,189,550.44 each. Not a Closing Disclosure.