Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$742,828Cash toward the purchase price.
Closing costs + prepaids$26,469Not just lender fees.
Before credits & paid funds$769,297The complete starting cash picture.
Estimated remaining funds due at closing
$769,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$742,828.48
Your down payment$742,828.48
Closing costs + prepaids$26,468.59
Total buyer cash needed$769,297.06
Remaining funds due$769,297.06
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%)$13,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,910.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,590.00
Initial HOA (3 months)$1,548.00
Prepaid interest, first (9 days)$951.73
Fees + prepaids$26,468.59
Your down payment is the seller’s equity. You take over the $582,172 balance, so the rest of the $1,325,000 price is paid at closing. A second mortgage can cover part of it. $769,297.06 is due at closing. Uses and sources reconcile at $1,351,468.59 each. Not a Closing Disclosure.