Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$1,894,264Cash toward the purchase price.
Closing costs + prepaids$45,535Not just lender fees.
Before credits & paid funds$1,939,798The complete starting cash picture.
Estimated remaining funds due at closing
$1,939,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,894,263.80
Your down payment$1,894,263.80
Closing costs + prepaids$45,534.60
Total buyer cash needed$1,939,798.40
Remaining funds due$1,939,798.40
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%)$29,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,503.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,132.50
Prepaid interest, first (19 days)$1,730.42
Fees + prepaids$45,534.60
Your down payment is the seller’s equity. You take over the $1,100,736 balance, so the rest of the $2,995,000 price is paid at closing. A second mortgage can cover part of it. $1,939,798.40 is due at closing. Uses and sources reconcile at $3,040,534.60 each. Not a Closing Disclosure.