Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$1,823,062Cash toward the purchase price.
Closing costs + prepaids$34,711Not just lender fees.
Before credits & paid funds$1,857,773The complete starting cash picture.
Estimated remaining funds due at closing
$1,857,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,823,061.87
Your down payment$1,823,061.87
Closing costs + prepaids$34,711.48
Total buyer cash needed$1,857,773.35
Remaining funds due$1,857,773.35
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%)$22,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,359.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,754.00
Prepaid interest, first (12 days)$429.79
Fees + prepaids$34,711.48
Your down payment is the seller’s equity. You take over the $471,938 balance, so the rest of the $2,295,000 price is paid at closing. A second mortgage can cover part of it. $1,857,773.35 is due at closing. Uses and sources reconcile at $2,329,711.48 each. Not a Closing Disclosure.