Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$840,119Cash toward the purchase price.
Closing costs + prepaids$45,614Not just lender fees.
Before credits & paid funds$885,733The complete starting cash picture.
Estimated remaining funds due at closing
$885,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$840,118.91
Your down payment$840,118.91
Closing costs + prepaids$45,613.86
Total buyer cash needed$885,732.77
Remaining funds due$885,732.77
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%)$21,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,299.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,711.50
Initial HOA (3 months)$5,091.00
Prepaid interest, first (20 days)$4,293.95
Fees + prepaids$45,613.86
Your down payment is the seller’s equity. You take over the $1,259,881 balance, so the rest of the $2,100,000 price is paid at closing. A second mortgage can cover part of it. $885,732.77 is due at closing. Uses and sources reconcile at $2,145,613.86 each. Not a Closing Disclosure.