Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$723,006Cash toward the purchase price.
Closing costs + prepaids$21,648Not just lender fees.
Before credits & paid funds$744,654The complete starting cash picture.
Estimated remaining funds due at closing
$744,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$723,006.30
Your down payment$723,006.30
Closing costs + prepaids$21,647.53
Total buyer cash needed$744,653.83
Remaining funds due$744,653.83
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%)$10,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,629.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,945.75
Prepaid interest, first (30 days)$1,363.81
Fees + prepaids$21,647.53
Your down payment is the seller’s equity. You take over the $325,994 balance, so the rest of the $1,049,000 price is paid at closing. A second mortgage can cover part of it. $744,653.83 is due at closing. Uses and sources reconcile at $1,070,647.53 each. Not a Closing Disclosure.