Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$1,593,718Cash toward the purchase price.
Closing costs + prepaids$95,903Not just lender fees.
Before credits & paid funds$1,689,621The complete starting cash picture.
Estimated remaining funds due at closing
$1,689,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,593,717.96
Your down payment$1,593,717.96
Closing costs + prepaids$95,902.55
Total buyer cash needed$1,689,620.51
Remaining funds due$1,689,620.51
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%)$54,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$19,531.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,600.00
Prepaid interest, first (12 days)$8,553.15
Fees + prepaids$95,902.55
Your down payment is the seller’s equity. You take over the $3,906,281 balance, so the rest of the $5,499,999 price is paid at closing. A second mortgage can cover part of it. $1,689,620.51 is due at closing. Uses and sources reconcile at $5,595,901.55 each. Not a Closing Disclosure.