Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$749,890Cash toward the purchase price.
Closing costs + prepaids$18,844Not just lender fees.
Before credits & paid funds$768,735The complete starting cash picture.
Estimated remaining funds due at closing
$768,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$749,890.38
Your down payment$749,890.38
Closing costs + prepaids$18,844.19
Total buyer cash needed$768,734.57
Remaining funds due$768,734.57
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$500.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,125.00
Initial HOA (3 months)$990.00
Prepaid interest, first (29 days)$510.64
Fees + prepaids$18,844.19
Your down payment is the seller’s equity. You take over the $100,110 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $768,734.57 is due at closing. Uses and sources reconcile at $868,844.19 each. Not a Closing Disclosure.