Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$2,447,202Cash toward the purchase price.
Closing costs + prepaids$53,518Not just lender fees.
Before credits & paid funds$2,500,720The complete starting cash picture.
Estimated remaining funds due at closing
$2,500,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,447,202.02
Your down payment$2,447,202.02
Closing costs + prepaids$53,517.91
Total buyer cash needed$2,500,719.93
Remaining funds due$2,500,719.93
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%)$31,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,753.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$7,995.00
Prepaid interest, first (28 days)$3,570.92
Fees + prepaids$53,517.91
Your down payment is the seller’s equity. You take over the $750,798 balance, so the rest of the $3,198,000 price is paid at closing. A second mortgage can cover part of it. $2,500,719.93 is due at closing. Uses and sources reconcile at $3,251,517.91 each. Not a Closing Disclosure.