Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$715,674Cash toward the purchase price.
Closing costs + prepaids$46,795Not just lender fees.
Before credits & paid funds$762,469The complete starting cash picture.
Estimated remaining funds due at closing
$762,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$715,673.57
Your down payment$715,673.57
Closing costs + prepaids$46,795.43
Total buyer cash needed$762,469.00
Remaining funds due$762,469.00
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%)$24,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$8,671.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,677.50
Prepaid interest, first (31 days)$4,728.30
Fees + prepaids$46,795.43
Your down payment is the seller’s equity. You take over the $1,734,326 balance, so the rest of the $2,450,000 price is paid at closing. A second mortgage can cover part of it. $762,469.00 is due at closing. Uses and sources reconcile at $2,496,795.43 each. Not a Closing Disclosure.