Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$731,514Cash toward the purchase price.
Closing costs + prepaids$30,041Not just lender fees.
Before credits & paid funds$761,555The complete starting cash picture.
Estimated remaining funds due at closing
$761,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$731,514.10
Your down payment$731,514.10
Closing costs + prepaids$30,040.77
Total buyer cash needed$761,554.86
Remaining funds due$761,554.86
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%)$14,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,827.43
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,228.50
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$1,661.84
Fees + prepaids$30,040.77
Your down payment is the seller’s equity. You take over the $765,486 balance, so the rest of the $1,497,000 price is paid at closing. A second mortgage can cover part of it. $761,554.86 is due at closing. Uses and sources reconcile at $1,527,040.77 each. Not a Closing Disclosure.