Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$1,029,832Cash toward the purchase price.
Closing costs + prepaids$34,240Not just lender fees.
Before credits & paid funds$1,064,072The complete starting cash picture.
Estimated remaining funds due at closing
$1,064,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,029,831.76
Your down payment$1,029,831.76
Closing costs + prepaids$34,240.01
Total buyer cash needed$1,064,071.77
Remaining funds due$1,064,071.77
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%)$4,100.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,625.00
Initial HOA (3 months)$660.00
Prepaid interest, first (2 days)$136.17
Fees + prepaids$34,240.01
Your down payment is the seller’s equity. You take over the $820,168 balance, so the rest of the $1,850,000 price is paid at closing. A second mortgage can cover part of it. $1,064,071.77 is due at closing. Uses and sources reconcile at $1,884,240.01 each. Not a Closing Disclosure.