Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$1,340,505Cash toward the purchase price.
Closing costs + prepaids$71,099Not just lender fees.
Before credits & paid funds$1,411,604The complete starting cash picture.
Estimated remaining funds due at closing
$1,411,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,340,504.92
Your down payment$1,340,504.92
Closing costs + prepaids$71,099.14
Total buyer cash needed$1,411,604.05
Remaining funds due$1,411,604.05
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%)$39,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$12,797.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,600.25
Prepaid interest, first (23 days)$10,483.41
Fees + prepaids$71,099.14
Your down payment is the seller’s equity. You take over the $2,559,495 balance, so the rest of the $3,900,000 price is paid at closing. A second mortgage can cover part of it. $1,411,604.05 is due at closing. Uses and sources reconcile at $3,971,099.14 each. Not a Closing Disclosure.