Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$2,435,580Cash toward the purchase price.
Closing costs + prepaids$43,373Not just lender fees.
Before credits & paid funds$2,478,953The complete starting cash picture.
Estimated remaining funds due at closing
$2,478,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,435,579.77
Your down payment$2,435,579.77
Closing costs + prepaids$43,372.81
Total buyer cash needed$2,478,952.59
Remaining funds due$2,478,952.59
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%)$29,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,817.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,897.75
Initial HOA (3 months)$195.00
Prepaid interest, first (30 days)$1,254.96
Fees + prepaids$43,372.81
Your down payment is the seller’s equity. You take over the $563,420 balance, so the rest of the $2,999,000 price is paid at closing. A second mortgage can cover part of it. $2,478,952.59 is due at closing. Uses and sources reconcile at $3,042,372.81 each. Not a Closing Disclosure.