Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$180,732Cash toward the purchase price.
Closing costs + prepaids$39,470Not just lender fees.
Before credits & paid funds$220,202The complete starting cash picture.
Estimated remaining funds due at closing
$220,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,731.88
Your down payment$180,731.88
Closing costs + prepaids$39,470.47
Total buyer cash needed$220,202.36
Remaining funds due$220,202.36
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%)$19,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$9,071.34
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,394.00
Prepaid interest, first (6 days)$1,837.13
Fees + prepaids$39,470.47
Your down payment is the seller’s equity. You take over the $1,814,268 balance, so the rest of the $1,995,000 price is paid at closing. A second mortgage can cover part of it. $220,202.36 is due at closing. Uses and sources reconcile at $2,034,470.47 each. Not a Closing Disclosure.