Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$1,090,896Cash toward the purchase price.
Closing costs + prepaids$39,512Not just lender fees.
Before credits & paid funds$1,130,408The complete starting cash picture.
Estimated remaining funds due at closing
$1,130,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,090,896.34
Your down payment$1,090,896.34
Closing costs + prepaids$39,511.90
Total buyer cash needed$1,130,408.24
Remaining funds due$1,130,408.24
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%)$21,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,495.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,475.00
Prepaid interest, first (2 days)$423.38
Fees + prepaids$39,511.90
Your down payment is the seller’s equity. You take over the $1,099,104 balance, so the rest of the $2,190,000 price is paid at closing. A second mortgage can cover part of it. $1,130,408.24 is due at closing. Uses and sources reconcile at $2,229,511.90 each. Not a Closing Disclosure.