Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$3,127,827Cash toward the purchase price.
Closing costs + prepaids$56,845Not just lender fees.
Before credits & paid funds$3,184,672The complete starting cash picture.
Estimated remaining funds due at closing
$3,184,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,127,827.16
Your down payment$3,127,827.16
Closing costs + prepaids$56,844.57
Total buyer cash needed$3,184,671.73
Remaining funds due$3,184,671.73
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%)$34,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$8,725.00
Initial HOA (3 months)$4,320.00
Prepaid interest, first (27 days)$870.70
Fees + prepaids$56,844.57
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $3,490,000 price is paid at closing. A second mortgage can cover part of it. $3,184,671.73 is due at closing. Uses and sources reconcile at $3,546,844.57 each. Not a Closing Disclosure.