Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,167,829Cash toward the purchase price.
Closing costs + prepaids$47,551Not just lender fees.
Before credits & paid funds$1,215,379The complete starting cash picture.
Estimated remaining funds due at closing
$1,215,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,167,828.62
Your down payment$1,167,828.62
Closing costs + prepaids$47,550.71
Total buyer cash needed$1,215,379.33
Remaining funds due$1,215,379.33
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%)$25,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,660.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,250.00
Initial HOA (3 months)$594.00
Prepaid interest, first (26 days)$2,827.85
Fees + prepaids$47,550.71
Your down payment is the seller’s equity. You take over the $1,332,171 balance, so the rest of the $2,500,000 price is paid at closing. A second mortgage can cover part of it. $1,215,379.33 is due at closing. Uses and sources reconcile at $2,547,550.71 each. Not a Closing Disclosure.