Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$4,150,541Cash toward the purchase price.
Closing costs + prepaids$88,690Not just lender fees.
Before credits & paid funds$4,239,231The complete starting cash picture.
Estimated remaining funds due at closing
$4,239,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,150,540.77
Your down payment$4,150,540.77
Closing costs + prepaids$88,690.10
Total buyer cash needed$4,239,230.87
Remaining funds due$4,239,230.87
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%)$56,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,742.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$14,247.50
Prepaid interest, first (28 days)$3,492.31
Fees + prepaids$88,690.10
Your down payment is the seller’s equity. You take over the $1,548,459 balance, so the rest of the $5,699,000 price is paid at closing. A second mortgage can cover part of it. $4,239,230.87 is due at closing. Uses and sources reconcile at $5,787,690.10 each. Not a Closing Disclosure.