Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,894,264Cash toward the purchase price.
Closing costs + prepaids$46,627Not just lender fees.
Before credits & paid funds$1,940,891The complete starting cash picture.
Estimated remaining funds due at closing
$1,940,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,894,263.80
Your down payment$1,894,263.80
Closing costs + prepaids$46,627.49
Total buyer cash needed$1,940,891.29
Remaining funds due$1,940,891.29
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%)$29,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,503.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,132.50
Prepaid interest, first (31 days)$2,823.31
Fees + prepaids$46,627.49
Your down payment is the seller’s equity. You take over the $1,100,736 balance, so the rest of the $2,995,000 price is paid at closing. A second mortgage can cover part of it. $1,940,891.29 is due at closing. Uses and sources reconcile at $3,041,627.49 each. Not a Closing Disclosure.