Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$768,248Cash toward the purchase price.
Closing costs + prepaids$25,173Not just lender fees.
Before credits & paid funds$793,421The complete starting cash picture.
Estimated remaining funds due at closing
$793,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$768,247.92
Your down payment$768,247.92
Closing costs + prepaids$25,173.25
Total buyer cash needed$793,421.17
Remaining funds due$793,421.17
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%)$13,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,903.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,176.25
Initial HOA (3 months)$79.26
Prepaid interest, first (27 days)$1,305.98
Fees + prepaids$25,173.25
Your down payment is the seller’s equity. You take over the $580,752 balance, so the rest of the $1,349,000 price is paid at closing. A second mortgage can cover part of it. $793,421.17 is due at closing. Uses and sources reconcile at $1,374,173.25 each. Not a Closing Disclosure.