Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$735,674Cash toward the purchase price.
Closing costs + prepaids$16,139Not just lender fees.
Before credits & paid funds$751,813The complete starting cash picture.
Estimated remaining funds due at closing
$751,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$735,673.97
Your down payment$735,673.97
Closing costs + prepaids$16,139.38
Total buyer cash needed$751,813.36
Remaining funds due$751,813.36
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%)$8,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$466.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$971.25
Prepaid interest, first (22 days)$193.50
Fees + prepaids$16,139.38
Your down payment is the seller’s equity. You take over the $93,326 balance, so the rest of the $829,000 price is paid at closing. A second mortgage can cover part of it. $751,813.36 is due at closing. Uses and sources reconcile at $845,139.38 each. Not a Closing Disclosure.