Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$1,097,053Cash toward the purchase price.
Closing costs + prepaids$32,021Not just lender fees.
Before credits & paid funds$1,129,074The complete starting cash picture.
Estimated remaining funds due at closing
$1,129,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,097,052.87
Your down payment$1,097,052.87
Closing costs + prepaids$32,020.71
Total buyer cash needed$1,129,073.58
Remaining funds due$1,129,073.58
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%)$18,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,764.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,220.00
Initial HOA (3 months)$774.00
Prepaid interest, first (9 days)$543.98
Fees + prepaids$32,020.71
Your down payment is the seller’s equity. You take over the $752,947 balance, so the rest of the $1,850,000 price is paid at closing. A second mortgage can cover part of it. $1,129,073.58 is due at closing. Uses and sources reconcile at $1,882,020.71 each. Not a Closing Disclosure.