Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$651,838Cash toward the purchase price.
Closing costs + prepaids$48,815Not just lender fees.
Before credits & paid funds$700,653The complete starting cash picture.
Estimated remaining funds due at closing
$700,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$651,837.59
Your down payment$651,837.59
Closing costs + prepaids$48,815.22
Total buyer cash needed$700,652.81
Remaining funds due$700,652.81
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%)$21,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,240.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,546.25
Prepaid interest, first (31 days)$7,810.16
Fees + prepaids$48,815.22
Your down payment is the seller’s equity. You take over the $1,448,162 balance, so the rest of the $2,100,000 price is paid at closing. A second mortgage can cover part of it. $700,652.81 is due at closing. Uses and sources reconcile at $2,148,815.22 each. Not a Closing Disclosure.