Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$1,501,411Cash toward the purchase price.
Closing costs + prepaids$33,383Not just lender fees.
Before credits & paid funds$1,534,794The complete starting cash picture.
Estimated remaining funds due at closing
$1,534,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,501,410.64
Your down payment$1,501,410.64
Closing costs + prepaids$33,383.49
Total buyer cash needed$1,534,794.13
Remaining funds due$1,534,794.13
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%)$21,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,342.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$495.50
Initial HOA (3 months)$750.00
Prepaid interest, first (18 days)$877.04
Fees + prepaids$33,383.49
Your down payment is the seller’s equity. You take over the $668,589 balance, so the rest of the $2,170,000 price is paid at closing. A second mortgage can cover part of it. $1,534,794.13 is due at closing. Uses and sources reconcile at $2,203,383.49 each. Not a Closing Disclosure.