Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$4,134,567Cash toward the purchase price.
Closing costs + prepaids$80,114Not just lender fees.
Before credits & paid funds$4,214,681The complete starting cash picture.
Estimated remaining funds due at closing
$4,214,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,134,566.88
Your down payment$4,134,566.88
Closing costs + prepaids$80,113.83
Total buyer cash needed$4,214,680.71
Remaining funds due$4,214,680.71
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%)$60,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$9,327.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$766.25
Prepaid interest, first (24 days)$3,802.42
Fees + prepaids$80,113.83
Your down payment is the seller’s equity. You take over the $1,865,433 balance, so the rest of the $6,000,000 price is paid at closing. A second mortgage can cover part of it. $4,214,680.71 is due at closing. Uses and sources reconcile at $6,080,113.83 each. Not a Closing Disclosure.