Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$1,461,195Cash toward the purchase price.
Closing costs + prepaids$53,783Not just lender fees.
Before credits & paid funds$1,514,977The complete starting cash picture.
Estimated remaining funds due at closing
$1,514,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,461,194.62
Your down payment$1,461,194.62
Closing costs + prepaids$53,782.56
Total buyer cash needed$1,514,977.17
Remaining funds due$1,514,977.17
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%)$10,189.03
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 (2 days)$694.53
Fees + prepaids$53,782.56
Your down payment is the seller’s equity. You take over the $2,037,805 balance, so the rest of the $3,499,000 price is paid at closing. A second mortgage can cover part of it. $1,514,977.17 is due at closing. Uses and sources reconcile at $3,552,782.56 each. Not a Closing Disclosure.