Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$2,437,605Cash toward the purchase price.
Closing costs + prepaids$41,705Not just lender fees.
Before credits & paid funds$2,479,309The complete starting cash picture.
Estimated remaining funds due at closing
$2,479,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,437,604.80
Your down payment$2,437,604.80
Closing costs + prepaids$41,704.68
Total buyer cash needed$2,479,309.48
Remaining funds due$2,479,309.48
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%)$30,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,811.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,553.00
Prepaid interest, first (26 days)$1,121.71
Fees + prepaids$41,704.68
Your down payment is the seller’s equity. You take over the $562,395 balance, so the rest of the $3,000,000 price is paid at closing. A second mortgage can cover part of it. $2,479,309.48 is due at closing. Uses and sources reconcile at $3,041,704.68 each. Not a Closing Disclosure.