Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$752,630Cash toward the purchase price.
Closing costs + prepaids$26,579Not just lender fees.
Before credits & paid funds$779,208The complete starting cash picture.
Estimated remaining funds due at closing
$779,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$752,629.70
Your down payment$752,629.70
Closing costs + prepaids$26,578.70
Total buyer cash needed$779,208.41
Remaining funds due$779,208.41
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%)$12,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,711.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,237.50
Initial HOA (3 months)$198.00
Prepaid interest, first (26 days)$1,263.35
Fees + prepaids$26,578.70
Your down payment is the seller’s equity. You take over the $542,370 balance, so the rest of the $1,295,000 price is paid at closing. A second mortgage can cover part of it. $779,208.41 is due at closing. Uses and sources reconcile at $1,321,578.70 each. Not a Closing Disclosure.