Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$1,463,276Cash toward the purchase price.
Closing costs + prepaids$60,363Not just lender fees.
Before credits & paid funds$1,523,638The complete starting cash picture.
Estimated remaining funds due at closing
$1,523,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,463,275.60
Your down payment$1,463,275.60
Closing costs + prepaids$60,362.73
Total buyer cash needed$1,523,638.33
Remaining funds due$1,523,638.33
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%)$34,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$10,178.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,691.00
Prepaid interest, first (21 days)$7,285.10
Fees + prepaids$60,362.73
Your down payment is the seller’s equity. You take over the $2,035,724 balance, so the rest of the $3,499,000 price is paid at closing. A second mortgage can cover part of it. $1,523,638.33 is due at closing. Uses and sources reconcile at $3,559,362.73 each. Not a Closing Disclosure.