Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$737,489Cash toward the purchase price.
Closing costs + prepaids$25,064Not just lender fees.
Before credits & paid funds$762,553The complete starting cash picture.
Estimated remaining funds due at closing
$762,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$737,488.68
Your down payment$737,488.68
Closing costs + prepaids$25,064.46
Total buyer cash needed$762,553.14
Remaining funds due$762,553.14
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%)$11,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,182.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,935.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (25 days)$908.90
Fees + prepaids$25,064.46
Your down payment is the seller’s equity. You take over the $436,511 balance, so the rest of the $1,174,000 price is paid at closing. A second mortgage can cover part of it. $762,553.14 is due at closing. Uses and sources reconcile at $1,199,064.46 each. Not a Closing Disclosure.