Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$2,166,953Cash toward the purchase price.
Closing costs + prepaids$33,160Not just lender fees.
Before credits & paid funds$2,200,113The complete starting cash picture.
Estimated remaining funds due at closing
$2,200,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,166,952.91
Your down payment$2,166,952.91
Closing costs + prepaids$33,160.27
Total buyer cash needed$2,200,113.18
Remaining funds due$2,200,113.18
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%)$23,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$665.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,875.00
Initial HOA (3 months)$168.75
Prepaid interest, first (16 days)$233.29
Fees + prepaids$33,160.27
Your down payment is the seller’s equity. You take over the $133,047 balance, so the rest of the $2,300,000 price is paid at closing. A second mortgage can cover part of it. $2,200,113.18 is due at closing. Uses and sources reconcile at $2,333,160.27 each. Not a Closing Disclosure.