Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$1,587,134Cash toward the purchase price.
Closing costs + prepaids$48,382Not just lender fees.
Before credits & paid funds$1,635,516The complete starting cash picture.
Estimated remaining funds due at closing
$1,635,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,587,134.24
Your down payment$1,587,134.24
Closing costs + prepaids$48,381.52
Total buyer cash needed$1,635,515.76
Remaining funds due$1,635,515.76
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%)$29,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,564.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,480.00
Initial HOA (3 months)$792.00
Prepaid interest, first (10 days)$2,327.19
Fees + prepaids$48,381.52
Your down payment is the seller’s equity. You take over the $1,312,866 balance, so the rest of the $2,900,000 price is paid at closing. A second mortgage can cover part of it. $1,635,515.76 is due at closing. Uses and sources reconcile at $2,948,381.52 each. Not a Closing Disclosure.