Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$963,305Cash toward the purchase price.
Closing costs + prepaids$75,293Not just lender fees.
Before credits & paid funds$1,038,597The complete starting cash picture.
Estimated remaining funds due at closing
$1,038,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$963,304.51
Your down payment$963,304.51
Closing costs + prepaids$75,292.71
Total buyer cash needed$1,038,597.22
Remaining funds due$1,038,597.22
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%)$35,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$12,928.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Initial HOA (3 months)$6,906.00
Prepaid interest, first (30 days)$13,750.23
Fees + prepaids$75,292.71
Your down payment is the seller’s equity. You take over the $2,585,695 balance, so the rest of the $3,549,000 price is paid at closing. A second mortgage can cover part of it. $1,038,597.22 is due at closing. Uses and sources reconcile at $3,624,292.71 each. Not a Closing Disclosure.