Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$1,758,400Cash toward the purchase price.
Closing costs + prepaids$45,083Not just lender fees.
Before credits & paid funds$1,803,483The complete starting cash picture.
Estimated remaining funds due at closing
$1,803,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,758,399.52
Your down payment$1,758,399.52
Closing costs + prepaids$45,083.43
Total buyer cash needed$1,803,482.96
Remaining funds due$1,803,482.96
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%)$25,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,083.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,437.50
Initial HOA (3 months)$1,068.00
Prepaid interest, first (25 days)$1,526.93
Fees + prepaids$45,083.43
Your down payment is the seller’s equity. You take over the $816,600 balance, so the rest of the $2,575,000 price is paid at closing. A second mortgage can cover part of it. $1,803,482.96 is due at closing. Uses and sources reconcile at $2,620,083.43 each. Not a Closing Disclosure.