Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,585,610Cash toward the purchase price.
Closing costs + prepaids$45,873Not just lender fees.
Before credits & paid funds$1,631,483The complete starting cash picture.
Estimated remaining funds due at closing
$1,631,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,585,609.83
Your down payment$1,585,609.83
Closing costs + prepaids$45,873.19
Total buyer cash needed$1,631,483.02
Remaining funds due$1,631,483.02
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%)$29,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,571.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,058.25
Initial HOA (3 months)$792.00
Prepaid interest, first (1 days)$232.99
Fees + prepaids$45,873.19
Your down payment is the seller’s equity. You take over the $1,314,390 balance, so the rest of the $2,900,000 price is paid at closing. A second mortgage can cover part of it. $1,631,483.02 is due at closing. Uses and sources reconcile at $2,945,873.19 each. Not a Closing Disclosure.