Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$1,197,025Cash toward the purchase price.
Closing costs + prepaids$31,757Not just lender fees.
Before credits & paid funds$1,228,782The complete starting cash picture.
Estimated remaining funds due at closing
$1,228,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,197,025.05
Your down payment$1,197,025.05
Closing costs + prepaids$31,757.22
Total buyer cash needed$1,228,782.27
Remaining funds due$1,228,782.27
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%)$18,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,389.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,356.50
Prepaid interest, first (18 days)$2,042.84
Fees + prepaids$31,757.22
Your down payment is the seller’s equity. You take over the $677,975 balance, so the rest of the $1,875,000 price is paid at closing. A second mortgage can cover part of it. $1,228,782.27 is due at closing. Uses and sources reconcile at $1,906,757.22 each. Not a Closing Disclosure.