Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$2,778,973Cash toward the purchase price.
Closing costs + prepaids$48,760Not just lender fees.
Before credits & paid funds$2,827,732The complete starting cash picture.
Estimated remaining funds due at closing
$2,827,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,778,972.81
Your down payment$2,778,972.81
Closing costs + prepaids$48,759.63
Total buyer cash needed$2,827,732.44
Remaining funds due$2,827,732.44
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%)$34,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,355.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,604.50
Initial HOA (3 months)$457.74
Prepaid interest, first (31 days)$1,624.25
Fees + prepaids$48,759.63
Your down payment is the seller’s equity. You take over the $671,027 balance, so the rest of the $3,450,000 price is paid at closing. A second mortgage can cover part of it. $2,827,732.44 is due at closing. Uses and sources reconcile at $3,498,759.63 each. Not a Closing Disclosure.