Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$1,091,798Cash toward the purchase price.
Closing costs + prepaids$43,949Not just lender fees.
Before credits & paid funds$1,135,747The complete starting cash picture.
Estimated remaining funds due at closing
$1,135,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,091,797.92
Your down payment$1,091,797.92
Closing costs + prepaids$43,948.90
Total buyer cash needed$1,135,746.82
Remaining funds due$1,135,746.82
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%)$21,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,491.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,475.00
Prepaid interest, first (23 days)$4,864.88
Fees + prepaids$43,948.90
Your down payment is the seller’s equity. You take over the $1,098,202 balance, so the rest of the $2,190,000 price is paid at closing. A second mortgage can cover part of it. $1,135,746.82 is due at closing. Uses and sources reconcile at $2,233,948.90 each. Not a Closing Disclosure.