Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$910,618Cash toward the purchase price.
Closing costs + prepaids$42,741Not just lender fees.
Before credits & paid funds$953,359The complete starting cash picture.
Estimated remaining funds due at closing
$953,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$910,618.08
Your down payment$910,618.08
Closing costs + prepaids$42,740.59
Total buyer cash needed$953,358.67
Remaining funds due$953,358.67
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%)$22,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,571.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$935.75
Prepaid interest, first (31 days)$6,764.93
Fees + prepaids$42,740.59
Your down payment is the seller’s equity. You take over the $1,314,382 balance, so the rest of the $2,225,000 price is paid at closing. A second mortgage can cover part of it. $953,358.67 is due at closing. Uses and sources reconcile at $2,267,740.59 each. Not a Closing Disclosure.