Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$759,635Cash toward the purchase price.
Closing costs + prepaids$24,522Not just lender fees.
Before credits & paid funds$784,156The complete starting cash picture.
Estimated remaining funds due at closing
$784,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$759,634.65
Your down payment$759,634.65
Closing costs + prepaids$24,521.81
Total buyer cash needed$784,156.46
Remaining funds due$784,156.46
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%)$11,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,196.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,997.50
Prepaid interest, first (25 days)$1,119.48
Fees + prepaids$24,521.81
Your down payment is the seller’s equity. You take over the $439,365 balance, so the rest of the $1,199,000 price is paid at closing. A second mortgage can cover part of it. $784,156.46 is due at closing. Uses and sources reconcile at $1,223,521.81 each. Not a Closing Disclosure.