Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$741,677Cash toward the purchase price.
Closing costs + prepaids$17,032Not just lender fees.
Before credits & paid funds$758,709The complete starting cash picture.
Estimated remaining funds due at closing
$758,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$741,676.65
Your down payment$741,676.65
Closing costs + prepaids$17,032.29
Total buyer cash needed$758,708.94
Remaining funds due$758,708.94
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%)$7,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$41.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Initial HOA (3 months)$1,350.00
Prepaid interest, first (28 days)$47.69
Fees + prepaids$17,032.29
Your down payment is the seller’s equity. You take over the $8,322 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $758,708.94 is due at closing. Uses and sources reconcile at $767,031.29 each. Not a Closing Disclosure.