Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$745,725Cash toward the purchase price.
Closing costs + prepaids$23,037Not just lender fees.
Before credits & paid funds$768,762The complete starting cash picture.
Estimated remaining funds due at closing
$768,762No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$745,724.90
Your down payment$745,724.90
Closing costs + prepaids$23,037.01
Total buyer cash needed$768,761.90
Remaining funds due$768,761.90
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%)$2,266.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,327.75
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$1,084.88
Fees + prepaids$23,037.01
Your down payment is the seller’s equity. You take over the $453,275 balance, so the rest of the $1,199,000 price is paid at closing. A second mortgage can cover part of it. $768,761.90 is due at closing. Uses and sources reconcile at $1,222,037.01 each. Not a Closing Disclosure.