Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$741,691Cash toward the purchase price.
Closing costs + prepaids$21,114Not just lender fees.
Before credits & paid funds$762,805The complete starting cash picture.
Estimated remaining funds due at closing
$762,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$741,691.37
Your down payment$741,691.37
Closing costs + prepaids$21,114.01
Total buyer cash needed$762,805.38
Remaining funds due$762,805.38
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,791.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,326.00
Initial HOA (3 months)$187.50
Prepaid interest, first (28 days)$590.96
Fees + prepaids$21,114.01
Your down payment is the seller’s equity. You take over the $358,309 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $762,805.38 is due at closing. Uses and sources reconcile at $1,121,114.01 each. Not a Closing Disclosure.