Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$2,619,381Cash toward the purchase price.
Closing costs + prepaids$72,455Not just lender fees.
Before credits & paid funds$2,691,835The complete starting cash picture.
Estimated remaining funds due at closing
$2,691,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,619,380.67
Your down payment$2,619,380.67
Closing costs + prepaids$72,454.54
Total buyer cash needed$2,691,835.21
Remaining funds due$2,691,835.21
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%)$42,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$8,153.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$10,625.00
Initial HOA (3 months)$1,506.00
Prepaid interest, first (28 days)$3,452.45
Fees + prepaids$72,454.54
Your down payment is the seller’s equity. You take over the $1,630,619 balance, so the rest of the $4,250,000 price is paid at closing. A second mortgage can cover part of it. $2,691,835.21 is due at closing. Uses and sources reconcile at $4,322,454.54 each. Not a Closing Disclosure.