Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$2,082,430Cash toward the purchase price.
Closing costs + prepaids$46,263Not just lender fees.
Before credits & paid funds$2,128,693The complete starting cash picture.
Estimated remaining funds due at closing
$2,128,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,082,429.88
Your down payment$2,082,429.88
Closing costs + prepaids$46,262.77
Total buyer cash needed$2,128,692.66
Remaining funds due$2,128,692.66
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%)$27,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,562.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,987.50
Prepaid interest, first (27 days)$1,544.42
Fees + prepaids$46,262.77
Your down payment is the seller’s equity. You take over the $712,570 balance, so the rest of the $2,795,000 price is paid at closing. A second mortgage can cover part of it. $2,128,692.66 is due at closing. Uses and sources reconcile at $2,841,262.77 each. Not a Closing Disclosure.