Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$2,354,847Cash toward the purchase price.
Closing costs + prepaids$42,097Not just lender fees.
Before credits & paid funds$2,396,944The complete starting cash picture.
Estimated remaining funds due at closing
$2,396,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,354,847.05
Your down payment$2,354,847.05
Closing costs + prepaids$42,096.61
Total buyer cash needed$2,396,943.66
Remaining funds due$2,396,943.66
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%)$28,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,700.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,474.00
Prepaid interest, first (18 days)$753.85
Fees + prepaids$42,096.61
Your down payment is the seller’s equity. You take over the $540,153 balance, so the rest of the $2,895,000 price is paid at closing. A second mortgage can cover part of it. $2,396,943.66 is due at closing. Uses and sources reconcile at $2,937,096.61 each. Not a Closing Disclosure.