Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$759,947Cash toward the purchase price.
Closing costs + prepaids$17,340Not just lender fees.
Before credits & paid funds$777,286The complete starting cash picture.
Estimated remaining funds due at closing
$777,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$759,946.68
Your down payment$759,946.68
Closing costs + prepaids$17,339.70
Total buyer cash needed$777,286.38
Remaining funds due$777,286.38
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%)$8,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$395.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,097.50
Prepaid interest, first (28 days)$238.94
Fees + prepaids$17,339.70
Your down payment is the seller’s equity. You take over the $79,053 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $777,286.38 is due at closing. Uses and sources reconcile at $856,339.70 each. Not a Closing Disclosure.