Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$706,498Cash toward the purchase price.
Closing costs + prepaids$18,452Not just lender fees.
Before credits & paid funds$724,950The complete starting cash picture.
Estimated remaining funds due at closing
$724,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$706,498.17
Your down payment$706,498.17
Closing costs + prepaids$18,451.56
Total buyer cash needed$724,949.73
Remaining funds due$724,949.73
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%)$8,699.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$817.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,175.00
Initial HOA (3 months)$180.00
Prepaid interest, first (28 days)$361.20
Fees + prepaids$18,451.56
Your down payment is the seller’s equity. You take over the $163,492 balance, so the rest of the $869,990 price is paid at closing. A second mortgage can cover part of it. $724,949.73 is due at closing. Uses and sources reconcile at $888,441.56 each. Not a Closing Disclosure.