Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$5,402,981Cash toward the purchase price.
Closing costs + prepaids$79,358Not just lender fees.
Before credits & paid funds$5,482,339The complete starting cash picture.
Estimated remaining funds due at closing
$5,482,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,402,981.25
Your down payment$5,402,981.25
Closing costs + prepaids$79,357.71
Total buyer cash needed$5,482,338.96
Remaining funds due$5,482,338.96
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%)$56,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,435.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$14,225.00
Prepaid interest, first (27 days)$579.62
Fees + prepaids$79,357.71
Your down payment is the seller’s equity. You take over the $287,019 balance, so the rest of the $5,690,000 price is paid at closing. A second mortgage can cover part of it. $5,482,338.96 is due at closing. Uses and sources reconcile at $5,769,357.71 each. Not a Closing Disclosure.