Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$2,784,759Cash toward the purchase price.
Closing costs + prepaids$59,474Not just lender fees.
Before credits & paid funds$2,844,233The complete starting cash picture.
Estimated remaining funds due at closing
$2,844,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,784,759.24
Your down payment$2,784,759.24
Closing costs + prepaids$59,474.17
Total buyer cash needed$2,844,233.41
Remaining funds due$2,844,233.41
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%)$37,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,826.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$9,375.00
Prepaid interest, first (28 days)$1,554.96
Fees + prepaids$59,474.17
Your down payment is the seller’s equity. You take over the $965,241 balance, so the rest of the $3,750,000 price is paid at closing. A second mortgage can cover part of it. $2,844,233.41 is due at closing. Uses and sources reconcile at $3,809,474.17 each. Not a Closing Disclosure.