Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$2,070,421Cash toward the purchase price.
Closing costs + prepaids$37,291Not just lender fees.
Before credits & paid funds$2,107,712The complete starting cash picture.
Estimated remaining funds due at closing
$2,107,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,070,421.12
Your down payment$2,070,421.12
Closing costs + prepaids$37,291.21
Total buyer cash needed$2,107,712.32
Remaining funds due$2,107,712.32
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%)$2,147.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,125.00
Prepaid interest, first (17 days)$800.31
Fees + prepaids$37,291.21
Your down payment is the seller’s equity. You take over the $429,579 balance, so the rest of the $2,500,000 price is paid at closing. A second mortgage can cover part of it. $2,107,712.32 is due at closing. Uses and sources reconcile at $2,537,291.21 each. Not a Closing Disclosure.