Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$1,156,412Cash toward the purchase price.
Closing costs + prepaids$33,101Not just lender fees.
Before credits & paid funds$1,189,513The complete starting cash picture.
Estimated remaining funds due at closing
$1,189,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,156,412.26
Your down payment$1,156,412.26
Closing costs + prepaids$33,100.83
Total buyer cash needed$1,189,513.09
Remaining funds due$1,189,513.09
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%)$20,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,602.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,094.00
Initial HOA (3 months)$255.99
Prepaid interest, first (2 days)$159.90
Fees + prepaids$33,100.83
Your down payment is the seller’s equity. You take over the $920,588 balance, so the rest of the $2,077,000 price is paid at closing. A second mortgage can cover part of it. $1,189,513.09 is due at closing. Uses and sources reconcile at $2,110,100.83 each. Not a Closing Disclosure.