Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$3,191,629Cash toward the purchase price.
Closing costs + prepaids$40,402Not just lender fees.
Before credits & paid funds$3,232,030The complete starting cash picture.
Estimated remaining funds due at closing
$3,232,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,191,628.67
Your down payment$3,191,628.67
Closing costs + prepaids$40,401.82
Total buyer cash needed$3,232,030.49
Remaining funds due$3,232,030.49
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%)$32,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$41.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,125.00
Prepaid interest, first (27 days)$16.97
Fees + prepaids$40,401.82
Your down payment is the seller’s equity. You take over the $8,371 balance, so the rest of the $3,200,000 price is paid at closing. A second mortgage can cover part of it. $3,232,030.49 is due at closing. Uses and sources reconcile at $3,240,401.82 each. Not a Closing Disclosure.