Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$723,340Cash toward the purchase price.
Closing costs + prepaids$19,458Not just lender fees.
Before credits & paid funds$742,798The complete starting cash picture.
Estimated remaining funds due at closing
$742,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$723,339.72
Your down payment$723,339.72
Closing costs + prepaids$19,457.93
Total buyer cash needed$742,797.65
Remaining funds due$742,797.65
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%)$10,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,383.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,074.25
Prepaid interest, first (26 days)$782.38
Fees + prepaids$19,457.93
Your down payment is the seller’s equity. You take over the $276,660 balance, so the rest of the $1,000,000 price is paid at closing. A second mortgage can cover part of it. $742,797.65 is due at closing. Uses and sources reconcile at $1,019,457.93 each. Not a Closing Disclosure.