Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$163,838Cash toward the purchase price.
Closing costs + prepaids$47,654Not just lender fees.
Before credits & paid funds$211,492The complete starting cash picture.
Estimated remaining funds due at closing
$211,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,838.07
Your down payment$163,838.07
Closing costs + prepaids$47,653.76
Total buyer cash needed$211,491.83
Remaining funds due$211,491.83
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%)$23,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$10,805.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,790.00
Prepaid interest, first (12 days)$4,589.95
Fees + prepaids$47,653.76
Your down payment is the seller’s equity. You take over the $2,161,162 balance, so the rest of the $2,325,000 price is paid at closing. A second mortgage can cover part of it. $211,491.83 is due at closing. Uses and sources reconcile at $2,372,653.76 each. Not a Closing Disclosure.