Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$594,078Cash toward the purchase price.
Closing costs + prepaids$37,582Not just lender fees.
Before credits & paid funds$631,660The complete starting cash picture.
Estimated remaining funds due at closing
$631,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$594,078.23
Your down payment$594,078.23
Closing costs + prepaids$37,581.74
Total buyer cash needed$631,659.97
Remaining funds due$631,659.97
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%)$18,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,404.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,250.00
Initial HOA (3 months)$1,365.00
Prepaid interest, first (12 days)$2,594.13
Fees + prepaids$37,581.74
Your down payment is the seller’s equity. You take over the $1,280,922 balance, so the rest of the $1,875,000 price is paid at closing. A second mortgage can cover part of it. $631,659.97 is due at closing. Uses and sources reconcile at $1,912,581.74 each. Not a Closing Disclosure.