Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$762,705Cash toward the purchase price.
Closing costs + prepaids$25,675Not just lender fees.
Before credits & paid funds$788,379The complete starting cash picture.
Estimated remaining funds due at closing
$788,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$762,704.71
Your down payment$762,704.71
Closing costs + prepaids$25,674.58
Total buyer cash needed$788,379.29
Remaining funds due$788,379.29
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%)$11,520.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,946.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,880.00
Initial HOA (3 months)$2,256.00
Prepaid interest, first (28 days)$854.10
Fees + prepaids$25,674.58
Your down payment is the seller’s equity. You take over the $389,295 balance, so the rest of the $1,152,000 price is paid at closing. A second mortgage can cover part of it. $788,379.29 is due at closing. Uses and sources reconcile at $1,177,674.58 each. Not a Closing Disclosure.