Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$767,302Cash toward the purchase price.
Closing costs + prepaids$21,230Not just lender fees.
Before credits & paid funds$788,532The complete starting cash picture.
Estimated remaining funds due at closing
$788,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$767,301.68
Your down payment$767,301.68
Closing costs + prepaids$21,230.44
Total buyer cash needed$788,532.13
Remaining funds due$788,532.13
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%)$10,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,538.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,493.00
Initial HOA (3 months)$626.01
Prepaid interest, first (24 days)$604.94
Fees + prepaids$21,230.44
Your down payment is the seller’s equity. You take over the $307,698 balance, so the rest of the $1,075,000 price is paid at closing. A second mortgage can cover part of it. $788,532.13 is due at closing. Uses and sources reconcile at $1,096,230.44 each. Not a Closing Disclosure.