Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$1,027,203Cash toward the purchase price.
Closing costs + prepaids$45,689Not just lender fees.
Before credits & paid funds$1,072,893The complete starting cash picture.
Estimated remaining funds due at closing
$1,072,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,027,203.48
Your down payment$1,027,203.48
Closing costs + prepaids$45,689.07
Total buyer cash needed$1,072,892.55
Remaining funds due$1,072,892.55
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%)$23,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,858.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,997.50
Initial HOA (3 months)$108.00
Prepaid interest, first (18 days)$2,516.59
Fees + prepaids$45,689.07
Your down payment is the seller’s equity. You take over the $1,371,797 balance, so the rest of the $2,399,000 price is paid at closing. A second mortgage can cover part of it. $1,072,892.55 is due at closing. Uses and sources reconcile at $2,444,689.07 each. Not a Closing Disclosure.