Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$2,739,079Cash toward the purchase price.
Closing costs + prepaids$41,506Not just lender fees.
Before credits & paid funds$2,780,586The complete starting cash picture.
Estimated remaining funds due at closing
$2,780,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,739,079.32
Your down payment$2,739,079.32
Closing costs + prepaids$41,506.21
Total buyer cash needed$2,780,585.53
Remaining funds due$2,780,585.53
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%)$28,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$499.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,494.00
Initial HOA (3 months)$452.25
Prepaid interest, first (27 days)$452.35
Fees + prepaids$41,506.21
Your down payment is the seller’s equity. You take over the $99,921 balance, so the rest of the $2,839,000 price is paid at closing. A second mortgage can cover part of it. $2,780,585.53 is due at closing. Uses and sources reconcile at $2,880,506.21 each. Not a Closing Disclosure.