Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,209,865Cash toward the purchase price.
Closing costs + prepaids$30,152Not just lender fees.
Before credits & paid funds$1,240,017The complete starting cash picture.
Estimated remaining funds due at closing
$1,240,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,209,864.84
Your down payment$1,209,864.84
Closing costs + prepaids$30,152.01
Total buyer cash needed$1,240,016.86
Remaining funds due$1,240,016.86
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%)$3,200.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,635.50
Initial HOA (3 months)$534.00
Prepaid interest, first (1 days)$63.84
Fees + prepaids$30,152.01
Your down payment is the seller’s equity. You take over the $640,135 balance, so the rest of the $1,850,000 price is paid at closing. A second mortgage can cover part of it. $1,240,016.86 is due at closing. Uses and sources reconcile at $1,880,152.01 each. Not a Closing Disclosure.