Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$721,960Cash toward the purchase price.
Closing costs + prepaids$25,166Not just lender fees.
Before credits & paid funds$747,126The complete starting cash picture.
Estimated remaining funds due at closing
$747,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$721,960.09
Your down payment$721,960.09
Closing costs + prepaids$25,166.13
Total buyer cash needed$747,126.22
Remaining funds due$747,126.22
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%)$13,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,135.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,627.00
Initial HOA (3 months)$648.00
Prepaid interest, first (1 days)$47.93
Fees + prepaids$25,166.13
Your down payment is the seller’s equity. You take over the $627,040 balance, so the rest of the $1,349,000 price is paid at closing. A second mortgage can cover part of it. $747,126.22 is due at closing. Uses and sources reconcile at $1,374,166.13 each. Not a Closing Disclosure.