Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$731,048Cash toward the purchase price.
Closing costs + prepaids$18,738Not just lender fees.
Before credits & paid funds$749,786The complete starting cash picture.
Estimated remaining funds due at closing
$749,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$731,047.87
Your down payment$731,047.87
Closing costs + prepaids$18,738.36
Total buyer cash needed$749,786.23
Remaining funds due$749,786.23
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$839.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,247.50
Initial HOA (3 months)$420.00
Prepaid interest, first (2 days)$23.10
Fees + prepaids$18,738.36
Your down payment is the seller’s equity. You take over the $167,952 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $749,786.23 is due at closing. Uses and sources reconcile at $917,738.36 each. Not a Closing Disclosure.