Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$2,593,661Cash toward the purchase price.
Closing costs + prepaids$60,213Not just lender fees.
Before credits & paid funds$2,653,873The complete starting cash picture.
Estimated remaining funds due at closing
$2,653,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,593,660.51
Your down payment$2,593,660.51
Closing costs + prepaids$60,212.70
Total buyer cash needed$2,653,873.21
Remaining funds due$2,653,873.21
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%)$35,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,531.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$8,750.00
Initial HOA (3 months)$1,005.00
Prepaid interest, first (30 days)$4,708.00
Fees + prepaids$60,212.70
Your down payment is the seller’s equity. You take over the $906,339 balance, so the rest of the $3,500,000 price is paid at closing. A second mortgage can cover part of it. $2,653,873.21 is due at closing. Uses and sources reconcile at $3,560,212.70 each. Not a Closing Disclosure.