Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$4,483,539Cash toward the purchase price.
Closing costs + prepaids$59,038Not just lender fees.
Before credits & paid funds$4,542,577The complete starting cash picture.
Estimated remaining funds due at closing
$4,542,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,483,539.01
Your down payment$4,483,539.01
Closing costs + prepaids$59,038.37
Total buyer cash needed$4,542,577.38
Remaining funds due$4,542,577.38
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%)$47,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,327.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,348.50
Prepaid interest, first (30 days)$654.56
Fees + prepaids$59,038.37
Your down payment is the seller’s equity. You take over the $265,461 balance, so the rest of the $4,749,000 price is paid at closing. A second mortgage can cover part of it. $4,542,577.38 is due at closing. Uses and sources reconcile at $4,808,038.37 each. Not a Closing Disclosure.