Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$2,073,720Cash toward the purchase price.
Closing costs + prepaids$53,937Not just lender fees.
Before credits & paid funds$2,127,657The complete starting cash picture.
Estimated remaining funds due at closing
$2,127,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,073,719.60
Your down payment$2,073,719.60
Closing costs + prepaids$53,937.05
Total buyer cash needed$2,127,656.65
Remaining funds due$2,127,656.65
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%)$30,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,106.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$7,737.50
Initial HOA (3 months)$1,755.00
Prepaid interest, first (28 days)$2,170.15
Fees + prepaids$53,937.05
Your down payment is the seller’s equity. You take over the $1,021,280 balance, so the rest of the $3,095,000 price is paid at closing. A second mortgage can cover part of it. $2,127,656.65 is due at closing. Uses and sources reconcile at $3,148,937.05 each. Not a Closing Disclosure.