Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,047,633Cash toward the purchase price.
Closing costs + prepaids$37,793Not just lender fees.
Before credits & paid funds$1,085,426The complete starting cash picture.
Estimated remaining funds due at closing
$1,085,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,047,633.20
Your down payment$1,047,633.20
Closing costs + prepaids$37,792.84
Total buyer cash needed$1,085,426.04
Remaining funds due$1,085,426.04
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%)$19,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,711.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,975.00
Prepaid interest, first (28 days)$1,988.01
Fees + prepaids$37,792.84
Your down payment is the seller’s equity. You take over the $942,367 balance, so the rest of the $1,990,000 price is paid at closing. A second mortgage can cover part of it. $1,085,426.04 is due at closing. Uses and sources reconcile at $2,027,792.84 each. Not a Closing Disclosure.