Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$2,025,937Cash toward the purchase price.
Closing costs + prepaids$36,228Not just lender fees.
Before credits & paid funds$2,062,165The complete starting cash picture.
Estimated remaining funds due at closing
$2,062,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,025,937.18
Your down payment$2,025,937.18
Closing costs + prepaids$36,228.22
Total buyer cash needed$2,062,165.40
Remaining funds due$2,062,165.40
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%)$24,499.74
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,120.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,940.00
Prepaid interest, first (12 days)$450.29
Fees + prepaids$36,228.22
Your down payment is the seller’s equity. You take over the $424,037 balance, so the rest of the $2,449,974 price is paid at closing. A second mortgage can cover part of it. $2,062,165.40 is due at closing. Uses and sources reconcile at $2,486,202.22 each. Not a Closing Disclosure.