Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,260,326Cash toward the purchase price.
Closing costs + prepaids$35,794Not just lender fees.
Before credits & paid funds$1,296,120The complete starting cash picture.
Estimated remaining funds due at closing
$1,296,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,260,325.87
Your down payment$1,260,325.87
Closing costs + prepaids$35,794.44
Total buyer cash needed$1,296,120.31
Remaining funds due$1,296,120.31
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%)$20,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,943.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,013.00
Prepaid interest, first (31 days)$2,130.07
Fees + prepaids$35,794.44
Your down payment is the seller’s equity. You take over the $788,674 balance, so the rest of the $2,049,000 price is paid at closing. A second mortgage can cover part of it. $1,296,120.31 is due at closing. Uses and sources reconcile at $2,084,794.44 each. Not a Closing Disclosure.