Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$6,583,039Cash toward the purchase price.
Closing costs + prepaids$98,881Not just lender fees.
Before credits & paid funds$6,681,920The complete starting cash picture.
Estimated remaining funds due at closing
$6,681,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,583,038.85
Your down payment$6,583,038.85
Closing costs + prepaids$98,880.88
Total buyer cash needed$6,681,919.74
Remaining funds due$6,681,919.74
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%)$68,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,334.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$17,125.00
Initial HOA (3 months)$4,320.00
Prepaid interest, first (31 days)$1,383.08
Fees + prepaids$98,880.88
Your down payment is the seller’s equity. You take over the $266,961 balance, so the rest of the $6,850,000 price is paid at closing. A second mortgage can cover part of it. $6,681,919.74 is due at closing. Uses and sources reconcile at $6,948,880.88 each. Not a Closing Disclosure.