Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$732,238Cash toward the purchase price.
Closing costs + prepaids$38,204Not just lender fees.
Before credits & paid funds$770,442The complete starting cash picture.
Estimated remaining funds due at closing
$770,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$732,238.19
Your down payment$732,238.19
Closing costs + prepaids$38,204.10
Total buyer cash needed$770,442.29
Remaining funds due$770,442.29
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%)$18,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,588.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,625.00
Initial HOA (3 months)$891.00
Prepaid interest, first (27 days)$2,381.29
Fees + prepaids$38,204.10
Your down payment is the seller’s equity. You take over the $1,117,762 balance, so the rest of the $1,850,000 price is paid at closing. A second mortgage can cover part of it. $770,442.29 is due at closing. Uses and sources reconcile at $1,888,204.10 each. Not a Closing Disclosure.