Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$727,151Cash toward the purchase price.
Closing costs + prepaids$14,401Not just lender fees.
Before credits & paid funds$741,551The complete starting cash picture.
Estimated remaining funds due at closing
$741,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$727,150.64
Your down payment$727,150.64
Closing costs + prepaids$14,400.59
Total buyer cash needed$741,551.23
Remaining funds due$741,551.23
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$114.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$510.00
Initial HOA (3 months)$8.76
Prepaid interest, first (24 days)$49.58
Fees + prepaids$14,400.59
Your down payment is the seller’s equity. You take over the $22,849 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $741,551.23 is due at closing. Uses and sources reconcile at $764,400.59 each. Not a Closing Disclosure.