Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$271,650Cash toward the purchase price.
Closing costs + prepaids$43,034Not just lender fees.
Before credits & paid funds$314,685The complete starting cash picture.
Estimated remaining funds due at closing
$314,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,650.46
Your down payment$271,650.46
Closing costs + prepaids$43,034.37
Total buyer cash needed$314,684.83
Remaining funds due$314,684.83
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%)$11,141.75
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 (1 days)$384.62
Fees + prepaids$43,034.37
Your down payment is the seller’s equity. You take over the $2,228,350 balance, so the rest of the $2,500,000 price is paid at closing. A second mortgage can cover part of it. $314,684.83 is due at closing. Uses and sources reconcile at $2,543,034.37 each. Not a Closing Disclosure.