Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$723,394Cash toward the purchase price.
Closing costs + prepaids$36,746Not just lender fees.
Before credits & paid funds$760,141The complete starting cash picture.
Estimated remaining funds due at closing
$760,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$723,394.30
Your down payment$723,394.30
Closing costs + prepaids$36,746.44
Total buyer cash needed$760,140.74
Remaining funds due$760,140.74
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%)$16,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,878.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,247.50
Initial HOA (3 months)$588.00
Prepaid interest, first (27 days)$3,824.91
Fees + prepaids$36,746.44
Your down payment is the seller’s equity. You take over the $975,606 balance, so the rest of the $1,699,000 price is paid at closing. A second mortgage can cover part of it. $760,140.74 is due at closing. Uses and sources reconcile at $1,735,746.44 each. Not a Closing Disclosure.