Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$2,424,095Cash toward the purchase price.
Closing costs + prepaids$40,125Not just lender fees.
Before credits & paid funds$2,464,219The complete starting cash picture.
Estimated remaining funds due at closing
$2,464,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,424,094.86
Your down payment$2,424,094.86
Closing costs + prepaids$40,124.59
Total buyer cash needed$2,464,219.45
Remaining funds due$2,464,219.45
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%)$27,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,629.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,502.00
Initial HOA (3 months)$369.99
Prepaid interest, first (28 days)$1,905.07
Fees + prepaids$40,124.59
Your down payment is the seller’s equity. You take over the $325,905 balance, so the rest of the $2,750,000 price is paid at closing. A second mortgage can cover part of it. $2,464,219.45 is due at closing. Uses and sources reconcile at $2,790,124.59 each. Not a Closing Disclosure.