Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$715,216Cash toward the purchase price.
Closing costs + prepaids$21,633Not just lender fees.
Before credits & paid funds$736,849The complete starting cash picture.
Estimated remaining funds due at closing
$736,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$715,215.53
Your down payment$715,215.53
Closing costs + prepaids$21,633.10
Total buyer cash needed$736,848.63
Remaining funds due$736,848.63
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%)$11,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,173.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$506.00
Initial HOA (3 months)$120.00
Prepaid interest, first (31 days)$1,115.19
Fees + prepaids$21,633.10
Your down payment is the seller’s equity. You take over the $434,783 balance, so the rest of the $1,149,999 price is paid at closing. A second mortgage can cover part of it. $736,848.63 is due at closing. Uses and sources reconcile at $1,171,632.10 each. Not a Closing Disclosure.