Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$2,434,392Cash toward the purchase price.
Closing costs + prepaids$37,918Not just lender fees.
Before credits & paid funds$2,472,310The complete starting cash picture.
Estimated remaining funds due at closing
$2,472,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,434,391.88
Your down payment$2,434,391.88
Closing costs + prepaids$37,917.91
Total buyer cash needed$2,472,309.79
Remaining funds due$2,472,309.79
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%)$25,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$328.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,250.00
Prepaid interest, first (30 days)$121.87
Fees + prepaids$37,917.91
Your down payment is the seller’s equity. You take over the $65,608 balance, so the rest of the $2,500,000 price is paid at closing. A second mortgage can cover part of it. $2,472,309.79 is due at closing. Uses and sources reconcile at $2,537,917.91 each. Not a Closing Disclosure.