Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$926,223Cash toward the purchase price.
Closing costs + prepaids$63,233Not just lender fees.
Before credits & paid funds$989,456The complete starting cash picture.
Estimated remaining funds due at closing
$989,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$926,223.19
Your down payment$926,223.19
Closing costs + prepaids$63,233.21
Total buyer cash needed$989,456.40
Remaining funds due$989,456.40
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%)$29,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$9,868.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$7,250.00
Prepaid interest, first (31 days)$10,896.33
Fees + prepaids$63,233.21
Your down payment is the seller’s equity. You take over the $1,973,777 balance, so the rest of the $2,900,000 price is paid at closing. A second mortgage can cover part of it. $989,456.40 is due at closing. Uses and sources reconcile at $2,963,233.21 each. Not a Closing Disclosure.