Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$748,452Cash toward the purchase price.
Closing costs + prepaids$24,603Not just lender fees.
Before credits & paid funds$773,055The complete starting cash picture.
Estimated remaining funds due at closing
$773,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$748,452.16
Your down payment$748,452.16
Closing costs + prepaids$24,602.82
Total buyer cash needed$773,054.98
Remaining funds due$773,054.98
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%)$12,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,297.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,020.00
Prepaid interest, first (28 days)$987.08
Fees + prepaids$24,602.82
Your down payment is the seller’s equity. You take over the $459,548 balance, so the rest of the $1,208,000 price is paid at closing. A second mortgage can cover part of it. $773,054.98 is due at closing. Uses and sources reconcile at $1,232,602.82 each. Not a Closing Disclosure.