Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$2,034,462Cash toward the purchase price.
Closing costs + prepaids$50,553Not just lender fees.
Before credits & paid funds$2,085,014The complete starting cash picture.
Estimated remaining funds due at closing
$2,085,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,034,461.56
Your down payment$2,034,461.56
Closing costs + prepaids$50,552.69
Total buyer cash needed$2,085,014.25
Remaining funds due$2,085,014.25
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%)$30,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,827.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$7,500.00
Prepaid interest, first (27 days)$2,007.00
Fees + prepaids$50,552.69
Your down payment is the seller’s equity. You take over the $965,538 balance, so the rest of the $3,000,000 price is paid at closing. A second mortgage can cover part of it. $2,085,014.25 is due at closing. Uses and sources reconcile at $3,050,552.69 each. Not a Closing Disclosure.