Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$752,783Cash toward the purchase price.
Closing costs + prepaids$24,478Not just lender fees.
Before credits & paid funds$777,261The complete starting cash picture.
Estimated remaining funds due at closing
$777,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$752,783.29
Your down payment$752,783.29
Closing costs + prepaids$24,477.73
Total buyer cash needed$777,261.03
Remaining funds due$777,261.03
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%)$12,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,611.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,377.50
Initial HOA (3 months)$285.00
Prepaid interest, first (30 days)$1,236.15
Fees + prepaids$24,477.73
Your down payment is the seller’s equity. You take over the $522,217 balance, so the rest of the $1,275,000 price is paid at closing. A second mortgage can cover part of it. $777,261.03 is due at closing. Uses and sources reconcile at $1,299,477.73 each. Not a Closing Disclosure.