Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$1,674,491Cash toward the purchase price.
Closing costs + prepaids$31,488Not just lender fees.
Before credits & paid funds$1,705,979The complete starting cash picture.
Estimated remaining funds due at closing
$1,705,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,674,491.14
Your down payment$1,674,491.14
Closing costs + prepaids$31,487.99
Total buyer cash needed$1,705,979.13
Remaining funds due$1,705,979.13
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%)$20,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,102.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,146.25
Prepaid interest, first (2 days)$71.20
Fees + prepaids$31,487.99
Your down payment is the seller’s equity. You take over the $420,509 balance, so the rest of the $2,095,000 price is paid at closing. A second mortgage can cover part of it. $1,705,979.13 is due at closing. Uses and sources reconcile at $2,126,487.99 each. Not a Closing Disclosure.