Follow the dollars · Assumption only
A complete cash picture for Dec 24, 2026
Your down payment$1,536,383Cash toward the purchase price.
Closing costs + prepaids$40,329Not just lender fees.
Before credits & paid funds$1,576,712The complete starting cash picture.
Estimated remaining funds due at closing
$1,576,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,536,382.99
Your down payment$1,536,382.99
Closing costs + prepaids$40,329.00
Total buyer cash needed$1,576,711.98
Remaining funds due$1,576,711.98
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%)$4,818.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,000.00
Initial HOA (3 months)$587.49
Prepaid interest, first (8 days)$705.42
Fees + prepaids$40,329.00
Your down payment is the seller’s equity. You take over the $963,617 balance, so the rest of the $2,500,000 price is paid at closing. A second mortgage can cover part of it. $1,576,711.98 is due at closing. Uses and sources reconcile at $2,540,329.00 each. Not a Closing Disclosure.