Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$4,701,030Cash toward the purchase price.
Closing costs + prepaids$80,566Not just lender fees.
Before credits & paid funds$4,781,596The complete starting cash picture.
Estimated remaining funds due at closing
$4,781,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,701,030.09
Your down payment$4,701,030.09
Closing costs + prepaids$80,566.40
Total buyer cash needed$4,781,596.49
Remaining funds due$4,781,596.49
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%)$54,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,969.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$13,737.50
Prepaid interest, first (26 days)$1,691.05
Fees + prepaids$80,566.40
Your down payment is the seller’s equity. You take over the $793,970 balance, so the rest of the $5,495,000 price is paid at closing. A second mortgage can cover part of it. $4,781,596.49 is due at closing. Uses and sources reconcile at $5,575,566.40 each. Not a Closing Disclosure.