Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$4,032,124Cash toward the purchase price.
Closing costs + prepaids$78,575Not just lender fees.
Before credits & paid funds$4,110,699The complete starting cash picture.
Estimated remaining funds due at closing
$4,110,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,032,123.86
Your down payment$4,032,123.86
Closing costs + prepaids$78,575.46
Total buyer cash needed$4,110,699.32
Remaining funds due$4,110,699.32
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%)$52,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,839.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$13,000.00
Initial HOA (3 months)$786.00
Prepaid interest, first (26 days)$732.08
Fees + prepaids$78,575.46
Your down payment is the seller’s equity. You take over the $1,167,876 balance, so the rest of the $5,200,000 price is paid at closing. A second mortgage can cover part of it. $4,110,699.32 is due at closing. Uses and sources reconcile at $5,278,575.46 each. Not a Closing Disclosure.