Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$273,879Cash toward the purchase price.
Closing costs + prepaids$54,550Not just lender fees.
Before credits & paid funds$328,428The complete starting cash picture.
Estimated remaining funds due at closing
$328,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,878.51
Your down payment$273,878.51
Closing costs + prepaids$54,549.88
Total buyer cash needed$328,428.39
Remaining funds due$328,428.39
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%)$25,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$11,130.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$290.00
Prepaid interest, first (31 days)$11,911.27
Fees + prepaids$54,549.88
Your down payment is the seller’s equity. You take over the $2,226,121 balance, so the rest of the $2,500,000 price is paid at closing. A second mortgage can cover part of it. $328,428.39 is due at closing. Uses and sources reconcile at $2,554,549.88 each. Not a Closing Disclosure.