Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$49,949Not just lender fees.
Before credits & paid funds$49,949The complete starting cash picture.
Estimated remaining funds due at closing
$49,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$174,654.11
Your down payment$0.00
Closing costs + prepaids$49,949.31
Total buyer cash needed$49,949.31
Remaining funds due$49,949.31
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%)$20,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$10,873.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,449.75
Initial HOA (3 months)$76.26
Prepaid interest, first (30 days)$11,332.03
Fees + prepaids$49,949.31
Your down payment is the seller’s equity. You take over the $2,174,654 balance, so the rest of the $2,000,000 price is paid at closing. A second mortgage can cover part of it. $49,949.31 is due at closing. Not a Closing Disclosure.