Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$706,431Cash toward the purchase price.
Closing costs + prepaids$15,183Not just lender fees.
Before credits & paid funds$721,614The complete starting cash picture.
Estimated remaining funds due at closing
$721,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$706,431.26
Your down payment$706,431.26
Closing costs + prepaids$15,182.51
Total buyer cash needed$721,613.77
Remaining funds due$721,613.77
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%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$467.34
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$240.50
Prepaid interest, first (26 days)$257.67
Fees + prepaids$15,182.51
Your down payment is the seller’s equity. You take over the $93,469 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $721,613.77 is due at closing. Uses and sources reconcile at $815,082.51 each. Not a Closing Disclosure.