Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$839,654Cash toward the purchase price.
Closing costs + prepaids$37,673Not just lender fees.
Before credits & paid funds$877,327The complete starting cash picture.
Estimated remaining funds due at closing
$877,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$839,654.29
Your down payment$839,654.29
Closing costs + prepaids$37,672.76
Total buyer cash needed$877,327.05
Remaining funds due$877,327.05
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%)$18,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,296.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,747.50
Prepaid interest, first (30 days)$2,420.53
Fees + prepaids$37,672.76
Your down payment is the seller’s equity. You take over the $1,059,346 balance, so the rest of the $1,899,000 price is paid at closing. A second mortgage can cover part of it. $877,327.05 is due at closing. Uses and sources reconcile at $1,936,672.76 each. Not a Closing Disclosure.