Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$735,674Cash toward the purchase price.
Closing costs + prepaids$16,219Not just lender fees.
Before credits & paid funds$751,893The complete starting cash picture.
Estimated remaining funds due at closing
$751,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$735,673.97
Your down payment$735,673.97
Closing costs + prepaids$16,218.55
Total buyer cash needed$751,892.52
Remaining funds due$751,892.52
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%)$8,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$466.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$971.25
Prepaid interest, first (31 days)$272.67
Fees + prepaids$16,218.55
Your down payment is the seller’s equity. You take over the $93,326 balance, so the rest of the $829,000 price is paid at closing. A second mortgage can cover part of it. $751,892.52 is due at closing. Uses and sources reconcile at $845,218.55 each. Not a Closing Disclosure.