Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$1,373,788Cash toward the purchase price.
Closing costs + prepaids$34,240Not just lender fees.
Before credits & paid funds$1,408,028The complete starting cash picture.
Estimated remaining funds due at closing
$1,408,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,373,787.78
Your down payment$1,373,787.78
Closing costs + prepaids$34,240.48
Total buyer cash needed$1,408,028.26
Remaining funds due$1,408,028.26
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%)$20,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,606.06
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,618.75
Prepaid interest, first (15 days)$847.67
Fees + prepaids$34,240.48
Your down payment is the seller’s equity. You take over the $721,212 balance, so the rest of the $2,095,000 price is paid at closing. A second mortgage can cover part of it. $1,408,028.26 is due at closing. Uses and sources reconcile at $2,129,240.48 each. Not a Closing Disclosure.