Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$851,181Cash toward the purchase price.
Closing costs + prepaids$48,321Not just lender fees.
Before credits & paid funds$899,502The complete starting cash picture.
Estimated remaining funds due at closing
$899,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$851,180.76
Your down payment$851,180.76
Closing costs + prepaids$48,320.77
Total buyer cash needed$899,501.53
Remaining funds due$899,501.53
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%)$26,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$8,989.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$665.75
Prepaid interest, first (18 days)$5,957.92
Fees + prepaids$48,320.77
Your down payment is the seller’s equity. You take over the $1,797,819 balance, so the rest of the $2,649,000 price is paid at closing. A second mortgage can cover part of it. $899,501.53 is due at closing. Uses and sources reconcile at $2,697,320.77 each. Not a Closing Disclosure.