Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$173,879Cash toward the purchase price.
Closing costs + prepaids$47,687Not just lender fees.
Before credits & paid funds$221,565The complete starting cash picture.
Estimated remaining funds due at closing
$221,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,878.51
Your down payment$173,878.51
Closing costs + prepaids$47,686.72
Total buyer cash needed$221,565.23
Remaining funds due$221,565.23
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%)$24,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$11,130.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,880.00
Prepaid interest, first (9 days)$3,458.11
Fees + prepaids$47,686.72
Your down payment is the seller’s equity. You take over the $2,226,121 balance, so the rest of the $2,400,000 price is paid at closing. A second mortgage can cover part of it. $221,565.23 is due at closing. Uses and sources reconcile at $2,447,686.72 each. Not a Closing Disclosure.