Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$8,471,400Cash toward the purchase price.
Closing costs + prepaids$105,124Not just lender fees.
Before credits & paid funds$8,576,523The complete starting cash picture.
Estimated remaining funds due at closing
$8,576,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,471,399.62
Your down payment$8,471,399.62
Closing costs + prepaids$105,123.75
Total buyer cash needed$8,576,523.37
Remaining funds due$8,576,523.37
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%)$92,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,893.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,379.00
Prepaid interest, first (1 days)$133.75
Fees + prepaids$105,123.75
Your down payment is the seller’s equity. You take over the $778,600 balance, so the rest of the $9,250,000 price is paid at closing. A second mortgage can cover part of it. $8,576,523.37 is due at closing. Uses and sources reconcile at $9,355,123.75 each. Not a Closing Disclosure.