Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$972,053Cash toward the purchase price.
Closing costs + prepaids$38,369Not just lender fees.
Before credits & paid funds$1,010,422The complete starting cash picture.
Estimated remaining funds due at closing
$1,010,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$972,052.56
Your down payment$972,052.56
Closing costs + prepaids$38,369.39
Total buyer cash needed$1,010,421.95
Remaining funds due$1,010,421.95
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%)$4,634.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,747.50
Prepaid interest, first (23 days)$3,779.15
Fees + prepaids$38,369.39
Your down payment is the seller’s equity. You take over the $926,947 balance, so the rest of the $1,899,000 price is paid at closing. A second mortgage can cover part of it. $1,010,421.95 is due at closing. Uses and sources reconcile at $1,937,369.39 each. Not a Closing Disclosure.