Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$705,951Cash toward the purchase price.
Closing costs + prepaids$26,179Not just lender fees.
Before credits & paid funds$732,129The complete starting cash picture.
Estimated remaining funds due at closing
$732,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$705,950.59
Your down payment$705,950.59
Closing costs + prepaids$26,178.88
Total buyer cash needed$732,129.47
Remaining funds due$732,129.47
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%)$12,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,720.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,125.00
Initial HOA (3 months)$525.00
Prepaid interest, first (27 days)$1,090.63
Fees + prepaids$26,178.88
Your down payment is the seller’s equity. You take over the $544,049 balance, so the rest of the $1,250,000 price is paid at closing. A second mortgage can cover part of it. $732,129.47 is due at closing. Uses and sources reconcile at $1,276,178.88 each. Not a Closing Disclosure.