Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$728,650Cash toward the purchase price.
Closing costs + prepaids$28,891Not just lender fees.
Before credits & paid funds$757,541The complete starting cash picture.
Estimated remaining funds due at closing
$757,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$728,650.44
Your down payment$728,650.44
Closing costs + prepaids$28,890.71
Total buyer cash needed$757,541.15
Remaining funds due$757,541.15
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%)$13,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,101.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,372.50
Prepaid interest, first (24 days)$2,708.46
Fees + prepaids$28,890.71
Your down payment is the seller’s equity. You take over the $620,350 balance, so the rest of the $1,349,000 price is paid at closing. A second mortgage can cover part of it. $757,541.15 is due at closing. Uses and sources reconcile at $1,377,890.71 each. Not a Closing Disclosure.