Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$798,338Cash toward the purchase price.
Closing costs + prepaids$29,969Not just lender fees.
Before credits & paid funds$828,307The complete starting cash picture.
Estimated remaining funds due at closing
$828,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$798,337.94
Your down payment$798,337.94
Closing costs + prepaids$29,969.17
Total buyer cash needed$828,307.11
Remaining funds due$828,307.11
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%)$14,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,503.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,747.50
Prepaid interest, first (28 days)$1,510.36
Fees + prepaids$29,969.17
Your down payment is the seller’s equity. You take over the $700,662 balance, so the rest of the $1,499,000 price is paid at closing. A second mortgage can cover part of it. $828,307.11 is due at closing. Uses and sources reconcile at $1,528,969.17 each. Not a Closing Disclosure.