Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$737,882Cash toward the purchase price.
Closing costs + prepaids$38,570Not just lender fees.
Before credits & paid funds$776,452The complete starting cash picture.
Estimated remaining funds due at closing
$776,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$737,882.33
Your down payment$737,882.33
Closing costs + prepaids$38,570.12
Total buyer cash needed$776,452.45
Remaining funds due$776,452.45
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%)$20,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,810.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,262.25
Prepaid interest, first (28 days)$3,280.78
Fees + prepaids$38,570.12
Your down payment is the seller’s equity. You take over the $1,362,018 balance, so the rest of the $2,099,900 price is paid at closing. A second mortgage can cover part of it. $776,452.45 is due at closing. Uses and sources reconcile at $2,138,470.12 each. Not a Closing Disclosure.