Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$1,680,004Cash toward the purchase price.
Closing costs + prepaids$42,574Not just lender fees.
Before credits & paid funds$1,722,578The complete starting cash picture.
Estimated remaining funds due at closing
$1,722,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,680,004.05
Your down payment$1,680,004.05
Closing costs + prepaids$42,573.77
Total buyer cash needed$1,722,577.82
Remaining funds due$1,722,577.82
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%)$26,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,849.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,180.00
Initial HOA (3 months)$1,125.00
Prepaid interest, first (9 days)$700.79
Fees + prepaids$42,573.77
Your down payment is the seller’s equity. You take over the $969,996 balance, so the rest of the $2,650,000 price is paid at closing. A second mortgage can cover part of it. $1,722,577.82 is due at closing. Uses and sources reconcile at $2,692,573.77 each. Not a Closing Disclosure.