Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,371,085Cash toward the purchase price.
Closing costs + prepaids$40,556Not just lender fees.
Before credits & paid funds$1,411,641The complete starting cash picture.
Estimated remaining funds due at closing
$1,411,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,371,084.99
Your down payment$1,371,084.99
Closing costs + prepaids$40,555.53
Total buyer cash needed$1,411,640.52
Remaining funds due$1,411,640.52
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%)$23,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,119.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$344.75
Prepaid interest, first (27 days)$4,923.21
Fees + prepaids$40,555.53
Your down payment is the seller’s equity. You take over the $1,023,915 balance, so the rest of the $2,395,000 price is paid at closing. A second mortgage can cover part of it. $1,411,640.52 is due at closing. Uses and sources reconcile at $2,435,555.53 each. Not a Closing Disclosure.