Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$752,783Cash toward the purchase price.
Closing costs + prepaids$24,148Not just lender fees.
Before credits & paid funds$776,931The complete starting cash picture.
Estimated remaining funds due at closing
$776,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$752,783.29
Your down payment$752,783.29
Closing costs + prepaids$24,148.09
Total buyer cash needed$776,931.39
Remaining funds due$776,931.39
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%)$12,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,611.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,377.50
Initial HOA (3 months)$285.00
Prepaid interest, first (22 days)$906.51
Fees + prepaids$24,148.09
Your down payment is the seller’s equity. You take over the $522,217 balance, so the rest of the $1,275,000 price is paid at closing. A second mortgage can cover part of it. $776,931.39 is due at closing. Uses and sources reconcile at $1,299,148.09 each. Not a Closing Disclosure.