Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$731,081Cash toward the purchase price.
Closing costs + prepaids$21,645Not just lender fees.
Before credits & paid funds$752,726The complete starting cash picture.
Estimated remaining funds due at closing
$752,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$731,080.98
Your down payment$731,080.98
Closing costs + prepaids$21,645.45
Total buyer cash needed$752,726.43
Remaining funds due$752,726.43
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%)$10,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,844.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,195.50
Initial HOA (3 months)$79.50
Prepaid interest, first (31 days)$1,309.36
Fees + prepaids$21,645.45
Your down payment is the seller’s equity. You take over the $368,819 balance, so the rest of the $1,099,900 price is paid at closing. A second mortgage can cover part of it. $752,726.43 is due at closing. Uses and sources reconcile at $1,121,545.45 each. Not a Closing Disclosure.