Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$807,337Cash toward the purchase price.
Closing costs + prepaids$30,400Not just lender fees.
Before credits & paid funds$837,738The complete starting cash picture.
Estimated remaining funds due at closing
$837,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$807,337.44
Your down payment$807,337.44
Closing costs + prepaids$30,400.40
Total buyer cash needed$837,737.84
Remaining funds due$837,737.84
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%)$14,998.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,462.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,749.50
Initial HOA (3 months)$729.00
Prepaid interest, first (23 days)$1,243.59
Fees + prepaids$30,400.40
Your down payment is the seller’s equity. You take over the $692,463 balance, so the rest of the $1,499,800 price is paid at closing. A second mortgage can cover part of it. $837,737.84 is due at closing. Uses and sources reconcile at $1,530,200.40 each. Not a Closing Disclosure.