Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$4,239,785Cash toward the purchase price.
Closing costs + prepaids$87,761Not just lender fees.
Before credits & paid funds$4,327,547The complete starting cash picture.
Estimated remaining funds due at closing
$4,327,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,239,785.04
Your down payment$4,239,785.04
Closing costs + prepaids$87,761.48
Total buyer cash needed$4,327,546.52
Remaining funds due$4,327,546.52
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%)$55,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,301.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$17,250.00
Prepaid interest, first (27 days)$2,992.41
Fees + prepaids$87,761.48
Your down payment is the seller’s equity. You take over the $1,260,215 balance, so the rest of the $5,500,000 price is paid at closing. A second mortgage can cover part of it. $4,327,546.52 is due at closing. Uses and sources reconcile at $5,587,761.48 each. Not a Closing Disclosure.