Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$699,888Cash toward the purchase price.
Closing costs + prepaids$33,526Not just lender fees.
Before credits & paid funds$733,414The complete starting cash picture.
Estimated remaining funds due at closing
$733,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$699,888.00
Your down payment$699,888.00
Closing costs + prepaids$33,526.24
Total buyer cash needed$733,414.23
Remaining funds due$733,414.23
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%)$16,499.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,750.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,125.00
Prepaid interest, first (25 days)$1,932.75
Fees + prepaids$33,526.24
Your down payment is the seller’s equity. You take over the $950,107 balance, so the rest of the $1,649,995 price is paid at closing. A second mortgage can cover part of it. $733,414.23 is due at closing. Uses and sources reconcile at $1,683,521.24 each. Not a Closing Disclosure.