Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,463,276Cash toward the purchase price.
Closing costs + prepaids$63,832Not just lender fees.
Before credits & paid funds$1,527,107The complete starting cash picture.
Estimated remaining funds due at closing
$1,527,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,463,275.60
Your down payment$1,463,275.60
Closing costs + prepaids$63,831.82
Total buyer cash needed$1,527,107.43
Remaining funds due$1,527,107.43
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%)$34,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$10,178.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,691.00
Prepaid interest, first (31 days)$10,754.20
Fees + prepaids$63,831.82
Your down payment is the seller’s equity. You take over the $2,035,724 balance, so the rest of the $3,499,000 price is paid at closing. A second mortgage can cover part of it. $1,527,107.43 is due at closing. Uses and sources reconcile at $3,562,831.82 each. Not a Closing Disclosure.