Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$718,539Cash toward the purchase price.
Closing costs + prepaids$29,982Not just lender fees.
Before credits & paid funds$748,521The complete starting cash picture.
Estimated remaining funds due at closing
$748,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$718,538.69
Your down payment$718,538.69
Closing costs + prepaids$29,982.38
Total buyer cash needed$748,521.07
Remaining funds due$748,521.07
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%)$14,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,882.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,075.50
Initial HOA (3 months)$56.25
Prepaid interest, first (31 days)$1,800.33
Fees + prepaids$29,982.38
Your down payment is the seller’s equity. You take over the $776,461 balance, so the rest of the $1,495,000 price is paid at closing. A second mortgage can cover part of it. $748,521.07 is due at closing. Uses and sources reconcile at $1,524,982.38 each. Not a Closing Disclosure.