Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$2,040,650Cash toward the purchase price.
Closing costs + prepaids$33,241Not just lender fees.
Before credits & paid funds$2,073,891The complete starting cash picture.
Estimated remaining funds due at closing
$2,073,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,040,650.01
Your down payment$2,040,650.01
Closing costs + prepaids$33,241.17
Total buyer cash needed$2,073,891.18
Remaining funds due$2,073,891.18
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%)$22,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,271.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,618.50
Initial HOA (3 months)$500.01
Prepaid interest, first (25 days)$682.91
Fees + prepaids$33,241.17
Your down payment is the seller’s equity. You take over the $254,350 balance, so the rest of the $2,295,000 price is paid at closing. A second mortgage can cover part of it. $2,073,891.18 is due at closing. Uses and sources reconcile at $2,328,241.17 each. Not a Closing Disclosure.