Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$2,145,235Cash toward the purchase price.
Closing costs + prepaids$36,385Not just lender fees.
Before credits & paid funds$2,181,621The complete starting cash picture.
Estimated remaining funds due at closing
$2,181,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,145,235.18
Your down payment$2,145,235.18
Closing costs + prepaids$36,385.35
Total buyer cash needed$2,181,620.54
Remaining funds due$2,181,620.54
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%)$26,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,748.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$377.25
Prepaid interest, first (2 days)$91.28
Fees + prepaids$36,385.35
Your down payment is the seller’s equity. You take over the $549,765 balance, so the rest of the $2,695,000 price is paid at closing. A second mortgage can cover part of it. $2,181,620.54 is due at closing. Uses and sources reconcile at $2,731,385.35 each. Not a Closing Disclosure.