Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$2,129,342Cash toward the purchase price.
Closing costs + prepaids$42,890Not just lender fees.
Before credits & paid funds$2,172,233The complete starting cash picture.
Estimated remaining funds due at closing
$2,172,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,129,342.25
Your down payment$2,129,342.25
Closing costs + prepaids$42,890.38
Total buyer cash needed$2,172,232.63
Remaining funds due$2,172,232.63
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%)$26,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,848.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,526.50
Initial HOA (3 months)$93.99
Prepaid interest, first (27 days)$1,213.61
Fees + prepaids$42,890.38
Your down payment is the seller’s equity. You take over the $569,658 balance, so the rest of the $2,699,000 price is paid at closing. A second mortgage can cover part of it. $2,172,232.63 is due at closing. Uses and sources reconcile at $2,741,890.38 each. Not a Closing Disclosure.