Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$734,698Cash toward the purchase price.
Closing costs + prepaids$17,308Not just lender fees.
Before credits & paid funds$752,005The complete starting cash picture.
Estimated remaining funds due at closing
$752,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$734,697.69
Your down payment$734,697.69
Closing costs + prepaids$17,307.69
Total buyer cash needed$752,005.38
Remaining funds due$752,005.38
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%)$8,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$421.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,047.50
Prepaid interest, first (29 days)$430.68
Fees + prepaids$17,307.69
Your down payment is the seller’s equity. You take over the $84,302 balance, so the rest of the $819,000 price is paid at closing. A second mortgage can cover part of it. $752,005.38 is due at closing. Uses and sources reconcile at $836,307.69 each. Not a Closing Disclosure.