Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$149,825Cash toward the purchase price.
Closing costs + prepaids$51,849Not just lender fees.
Before credits & paid funds$201,674The complete starting cash picture.
Estimated remaining funds due at closing
$201,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,824.91
Your down payment$149,824.91
Closing costs + prepaids$51,849.18
Total buyer cash needed$201,674.09
Remaining funds due$201,674.09
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%)$25,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$12,245.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,497.50
Prepaid interest, first (2 days)$897.81
Fees + prepaids$51,849.18
Your down payment is the seller’s equity. You take over the $2,449,175 balance, so the rest of the $2,599,000 price is paid at closing. A second mortgage can cover part of it. $201,674.09 is due at closing. Uses and sources reconcile at $2,650,849.18 each. Not a Closing Disclosure.