Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$706,121Cash toward the purchase price.
Closing costs + prepaids$22,892Not just lender fees.
Before credits & paid funds$729,012The complete starting cash picture.
Estimated remaining funds due at closing
$729,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$706,120.72
Your down payment$706,120.72
Closing costs + prepaids$22,891.75
Total buyer cash needed$729,012.48
Remaining funds due$729,012.48
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%)$10,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,969.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,750.00
Initial HOA (3 months)$60.00
Prepaid interest, first (28 days)$894.37
Fees + prepaids$22,891.75
Your down payment is the seller’s equity. You take over the $393,878 balance, so the rest of the $1,099,999 price is paid at closing. A second mortgage can cover part of it. $729,012.48 is due at closing. Uses and sources reconcile at $1,122,890.75 each. Not a Closing Disclosure.