Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$2,424,095Cash toward the purchase price.
Closing costs + prepaids$39,834Not just lender fees.
Before credits & paid funds$2,463,929The complete starting cash picture.
Estimated remaining funds due at closing
$2,463,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,424,094.86
Your down payment$2,424,094.86
Closing costs + prepaids$39,833.98
Total buyer cash needed$2,463,928.84
Remaining funds due$2,463,928.84
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%)$27,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,629.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,300.00
Initial HOA (3 months)$369.99
Prepaid interest, first (12 days)$816.46
Fees + prepaids$39,833.98
Your down payment is the seller’s equity. You take over the $325,905 balance, so the rest of the $2,750,000 price is paid at closing. A second mortgage can cover part of it. $2,463,928.84 is due at closing. Uses and sources reconcile at $2,789,833.98 each. Not a Closing Disclosure.