Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,088,155Cash toward the purchase price.
Closing costs + prepaids$37,160Not just lender fees.
Before credits & paid funds$1,125,315The complete starting cash picture.
Estimated remaining funds due at closing
$1,125,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,088,155.37
Your down payment$1,088,155.37
Closing costs + prepaids$37,159.51
Total buyer cash needed$1,125,314.88
Remaining funds due$1,125,314.88
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%)$18,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,054.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,111.75
Initial HOA (3 months)$995.01
Prepaid interest, first (26 days)$1,790.52
Fees + prepaids$37,159.51
Your down payment is the seller’s equity. You take over the $810,845 balance, so the rest of the $1,899,000 price is paid at closing. A second mortgage can cover part of it. $1,125,314.88 is due at closing. Uses and sources reconcile at $1,936,159.51 each. Not a Closing Disclosure.