Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$732,028Cash toward the purchase price.
Closing costs + prepaids$21,508Not just lender fees.
Before credits & paid funds$753,536The complete starting cash picture.
Estimated remaining funds due at closing
$753,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$732,027.97
Your down payment$732,027.97
Closing costs + prepaids$21,507.73
Total buyer cash needed$753,535.69
Remaining funds due$753,535.69
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%)$10,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,514.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,587.50
Prepaid interest, first (26 days)$837.36
Fees + prepaids$21,507.73
Your down payment is the seller’s equity. You take over the $302,972 balance, so the rest of the $1,035,000 price is paid at closing. A second mortgage can cover part of it. $753,535.69 is due at closing. Uses and sources reconcile at $1,056,507.73 each. Not a Closing Disclosure.