Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,809,337Cash toward the purchase price.
Closing costs + prepaids$50,067Not just lender fees.
Before credits & paid funds$1,859,404The complete starting cash picture.
Estimated remaining funds due at closing
$1,859,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,809,336.56
Your down payment$1,809,336.56
Closing costs + prepaids$50,066.95
Total buyer cash needed$1,859,403.51
Remaining funds due$1,859,403.51
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%)$31,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,828.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,962.25
Initial HOA (3 months)$201.00
Prepaid interest, first (1 days)$107.38
Fees + prepaids$50,066.95
Your down payment is the seller’s equity. You take over the $1,365,663 balance, so the rest of the $3,175,000 price is paid at closing. A second mortgage can cover part of it. $1,859,403.51 is due at closing. Uses and sources reconcile at $3,225,066.95 each. Not a Closing Disclosure.