Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$750,000Cash toward the purchase price.
Closing costs + prepaids$14,998Not just lender fees.
Before credits & paid funds$764,998The complete starting cash picture.
Estimated remaining funds due at closing
$764,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$750,000.00
Your down payment$750,000.00
Closing costs + prepaids$14,998.25
Total buyer cash needed$764,998.25
Remaining funds due$764,998.25
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$0.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,161.00
Initial HOA (3 months)$119.25
Prepaid interest, first (31 days)$0.00
Fees + prepaids$14,998.25
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $764,998.25 is due at closing. Uses and sources reconcile at $764,998.25 each. Not a Closing Disclosure.