Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$626,255Cash toward the purchase price.
Closing costs + prepaids$35,896Not just lender fees.
Before credits & paid funds$662,151The complete starting cash picture.
Estimated remaining funds due at closing
$662,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$626,255.44
Your down payment$626,255.44
Closing costs + prepaids$35,895.71
Total buyer cash needed$662,151.14
Remaining funds due$662,151.14
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%)$18,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,118.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,880.00
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$2,878.98
Fees + prepaids$35,895.71
Your down payment is the seller’s equity. You take over the $1,223,745 balance, so the rest of the $1,850,000 price is paid at closing. A second mortgage can cover part of it. $662,151.14 is due at closing. Uses and sources reconcile at $1,885,895.71 each. Not a Closing Disclosure.