Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$747,068Cash toward the purchase price.
Closing costs + prepaids$18,878Not just lender fees.
Before credits & paid funds$765,947The complete starting cash picture.
Estimated remaining funds due at closing
$765,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$747,068.48
Your down payment$747,068.48
Closing costs + prepaids$18,878.31
Total buyer cash needed$765,946.80
Remaining funds due$765,946.80
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%)$9,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,189.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,053.50
Initial HOA (3 months)$87.51
Prepaid interest, first (26 days)$479.64
Fees + prepaids$18,878.31
Your down payment is the seller’s equity. You take over the $237,932 balance, so the rest of the $985,000 price is paid at closing. A second mortgage can cover part of it. $765,946.80 is due at closing. Uses and sources reconcile at $1,003,878.31 each. Not a Closing Disclosure.