Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,327,213Cash toward the purchase price.
Closing costs + prepaids$51,280Not just lender fees.
Before credits & paid funds$1,378,493The complete starting cash picture.
Estimated remaining funds due at closing
$1,378,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,327,213.27
Your down payment$1,327,213.27
Closing costs + prepaids$51,280.14
Total buyer cash needed$1,378,493.40
Remaining funds due$1,378,493.40
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%)$28,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,763.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,191.50
Prepaid interest, first (27 days)$5,306.70
Fees + prepaids$51,280.14
Your down payment is the seller’s equity. You take over the $1,552,787 balance, so the rest of the $2,880,000 price is paid at closing. A second mortgage can cover part of it. $1,378,493.40 is due at closing. Uses and sources reconcile at $2,931,280.14 each. Not a Closing Disclosure.