Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$2,359,810Cash toward the purchase price.
Closing costs + prepaids$39,595Not just lender fees.
Before credits & paid funds$2,399,405The complete starting cash picture.
Estimated remaining funds due at closing
$2,399,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,359,809.81
Your down payment$2,359,809.81
Closing costs + prepaids$39,594.74
Total buyer cash needed$2,399,404.55
Remaining funds due$2,399,404.55
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%)$27,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,075.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,071.75
Initial HOA (3 months)$534.00
Prepaid interest, first (31 days)$945.04
Fees + prepaids$39,594.74
Your down payment is the seller’s equity. You take over the $415,190 balance, so the rest of the $2,775,000 price is paid at closing. A second mortgage can cover part of it. $2,399,404.55 is due at closing. Uses and sources reconcile at $2,814,594.74 each. Not a Closing Disclosure.