Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$1,966,347Cash toward the purchase price.
Closing costs + prepaids$52,450Not just lender fees.
Before credits & paid funds$2,018,796The complete starting cash picture.
Estimated remaining funds due at closing
$2,018,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,966,346.67
Your down payment$1,966,346.67
Closing costs + prepaids$52,449.56
Total buyer cash needed$2,018,796.23
Remaining funds due$2,018,796.23
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%)$29,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,093.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$7,462.50
Initial HOA (3 months)$1,755.00
Prepaid interest, first (28 days)$2,070.80
Fees + prepaids$52,449.56
Your down payment is the seller’s equity. You take over the $1,018,653 balance, so the rest of the $2,985,000 price is paid at closing. A second mortgage can cover part of it. $2,018,796.23 is due at closing. Uses and sources reconcile at $3,037,449.56 each. Not a Closing Disclosure.