Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$715,574Cash toward the purchase price.
Closing costs + prepaids$19,283Not just lender fees.
Before credits & paid funds$734,857The complete starting cash picture.
Estimated remaining funds due at closing
$734,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$715,573.95
Your down payment$715,573.95
Closing costs + prepaids$19,282.72
Total buyer cash needed$734,856.67
Remaining funds due$734,856.67
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%)$9,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,422.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,200.00
Initial HOA (3 months)$240.00
Prepaid interest, first (10 days)$202.60
Fees + prepaids$19,282.72
Your down payment is the seller’s equity. You take over the $284,425 balance, so the rest of the $999,999 price is paid at closing. A second mortgage can cover part of it. $734,856.67 is due at closing. Uses and sources reconcile at $1,019,281.72 each. Not a Closing Disclosure.