Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$2,459,407Cash toward the purchase price.
Closing costs + prepaids$47,620Not just lender fees.
Before credits & paid funds$2,507,028The complete starting cash picture.
Estimated remaining funds due at closing
$2,507,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,459,407.32
Your down payment$2,459,407.32
Closing costs + prepaids$47,620.44
Total buyer cash needed$2,507,027.76
Remaining funds due$2,507,027.76
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%)$32,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,952.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,062.50
Prepaid interest, first (15 days)$886.98
Fees + prepaids$47,620.44
Your down payment is the seller’s equity. You take over the $790,593 balance, so the rest of the $3,250,000 price is paid at closing. A second mortgage can cover part of it. $2,507,027.76 is due at closing. Uses and sources reconcile at $3,297,620.44 each. Not a Closing Disclosure.