Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$2,389,982Cash toward the purchase price.
Closing costs + prepaids$38,566Not just lender fees.
Before credits & paid funds$2,428,548The complete starting cash picture.
Estimated remaining funds due at closing
$2,428,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,389,981.84
Your down payment$2,389,981.84
Closing costs + prepaids$38,565.93
Total buyer cash needed$2,428,547.77
Remaining funds due$2,428,547.77
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%)$24,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$545.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,247.50
Prepaid interest, first (28 days)$565.34
Fees + prepaids$38,565.93
Your down payment is the seller’s equity. You take over the $109,018 balance, so the rest of the $2,499,000 price is paid at closing. A second mortgage can cover part of it. $2,428,547.77 is due at closing. Uses and sources reconcile at $2,537,565.93 each. Not a Closing Disclosure.