Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$2,306,556Cash toward the purchase price.
Closing costs + prepaids$31,836Not just lender fees.
Before credits & paid funds$2,338,391The complete starting cash picture.
Estimated remaining funds due at closing
$2,338,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,306,555.72
Your down payment$2,306,555.72
Closing costs + prepaids$31,835.58
Total buyer cash needed$2,338,391.30
Remaining funds due$2,338,391.30
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%)$24,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$467.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$666.50
Prepaid interest, first (27 days)$483.86
Fees + prepaids$31,835.58
Your down payment is the seller’s equity. You take over the $93,444 balance, so the rest of the $2,400,000 price is paid at closing. A second mortgage can cover part of it. $2,338,391.30 is due at closing. Uses and sources reconcile at $2,431,835.58 each. Not a Closing Disclosure.