Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$1,406,940Cash toward the purchase price.
Closing costs + prepaids$29,096Not just lender fees.
Before credits & paid funds$1,436,036The complete starting cash picture.
Estimated remaining funds due at closing
$1,436,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,406,940.09
Your down payment$1,406,940.09
Closing costs + prepaids$29,096.20
Total buyer cash needed$1,436,036.29
Remaining funds due$1,436,036.29
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%)$17,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,965.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,160.00
Initial HOA (3 months)$404.01
Prepaid interest, first (10 days)$348.91
Fees + prepaids$29,096.20
Your down payment is the seller’s equity. You take over the $393,059 balance, so the rest of the $1,799,999 price is paid at closing. A second mortgage can cover part of it. $1,436,036.29 is due at closing. Uses and sources reconcile at $1,829,095.20 each. Not a Closing Disclosure.