Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,072,869Cash toward the purchase price.
Closing costs + prepaids$39,137Not just lender fees.
Before credits & paid funds$1,112,006The complete starting cash picture.
Estimated remaining funds due at closing
$1,112,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,072,869.06
Your down payment$1,072,869.06
Closing costs + prepaids$39,136.99
Total buyer cash needed$1,112,006.05
Remaining funds due$1,112,006.05
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%)$5,110.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,711.50
Initial HOA (3 months)$337.50
Prepaid interest, first (31 days)$4,809.34
Fees + prepaids$39,136.99
Your down payment is the seller’s equity. You take over the $1,022,131 balance, so the rest of the $2,095,000 price is paid at closing. A second mortgage can cover part of it. $1,112,006.05 is due at closing. Uses and sources reconcile at $2,134,136.99 each. Not a Closing Disclosure.