Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$1,372,203Cash toward the purchase price.
Closing costs + prepaids$29,308Not just lender fees.
Before credits & paid funds$1,401,511The complete starting cash picture.
Estimated remaining funds due at closing
$1,401,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,372,202.95
Your down payment$1,372,202.95
Closing costs + prepaids$29,308.32
Total buyer cash needed$1,401,511.28
Remaining funds due$1,401,511.28
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%)$19,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,638.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Initial HOA (3 months)$154.26
Prepaid interest, first (30 days)$1,297.08
Fees + prepaids$29,308.32
Your down payment is the seller’s equity. You take over the $527,797 balance, so the rest of the $1,900,000 price is paid at closing. A second mortgage can cover part of it. $1,401,511.28 is due at closing. Uses and sources reconcile at $1,929,308.32 each. Not a Closing Disclosure.