Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$732,465Cash toward the purchase price.
Closing costs + prepaids$18,983Not just lender fees.
Before credits & paid funds$751,448The complete starting cash picture.
Estimated remaining funds due at closing
$751,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$732,464.81
Your down payment$732,464.81
Closing costs + prepaids$18,983.03
Total buyer cash needed$751,447.84
Remaining funds due$751,447.84
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$832.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,247.50
Initial HOA (3 months)$420.00
Prepaid interest, first (24 days)$274.85
Fees + prepaids$18,983.03
Your down payment is the seller’s equity. You take over the $166,535 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $751,447.84 is due at closing. Uses and sources reconcile at $917,983.03 each. Not a Closing Disclosure.