Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$728,972Cash toward the purchase price.
Closing costs + prepaids$20,770Not just lender fees.
Before credits & paid funds$749,742The complete starting cash picture.
Estimated remaining funds due at closing
$749,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$728,972.17
Your down payment$728,972.17
Closing costs + prepaids$20,770.23
Total buyer cash needed$749,742.39
Remaining funds due$749,742.39
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%)$9,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,230.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,437.50
Initial HOA (3 months)$381.00
Prepaid interest, first (26 days)$753.59
Fees + prepaids$20,770.23
Your down payment is the seller’s equity. You take over the $246,028 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $749,742.39 is due at closing. Uses and sources reconcile at $995,770.23 each. Not a Closing Disclosure.