Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$2,836,752Cash toward the purchase price.
Closing costs + prepaids$79,689Not just lender fees.
Before credits & paid funds$2,916,441The complete starting cash picture.
Estimated remaining funds due at closing
$2,916,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,836,751.79
Your down payment$2,836,751.79
Closing costs + prepaids$79,689.38
Total buyer cash needed$2,916,441.16
Remaining funds due$2,916,441.16
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%)$53,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$12,316.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,360.00
Prepaid interest, first (10 days)$1,795.13
Fees + prepaids$79,689.38
Your down payment is the seller’s equity. You take over the $2,463,248 balance, so the rest of the $5,300,000 price is paid at closing. A second mortgage can cover part of it. $2,916,441.16 is due at closing. Uses and sources reconcile at $5,379,689.38 each. Not a Closing Disclosure.