Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,930,024Cash toward the purchase price.
Closing costs + prepaids$36,572Not just lender fees.
Before credits & paid funds$1,966,596The complete starting cash picture.
Estimated remaining funds due at closing
$1,966,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,930,024.22
Your down payment$1,930,024.22
Closing costs + prepaids$36,571.72
Total buyer cash needed$1,966,595.94
Remaining funds due$1,966,595.94
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%)$24,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,599.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,611.00
Prepaid interest, first (31 days)$1,642.84
Fees + prepaids$36,571.72
Your down payment is the seller’s equity. You take over the $519,976 balance, so the rest of the $2,450,000 price is paid at closing. A second mortgage can cover part of it. $1,966,595.94 is due at closing. Uses and sources reconcile at $2,486,571.72 each. Not a Closing Disclosure.