Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$634,477Cash toward the purchase price.
Closing costs + prepaids$16,336Not just lender fees.
Before credits & paid funds$650,813The complete starting cash picture.
Estimated remaining funds due at closing
$650,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$634,477.33
Your down payment$634,477.33
Closing costs + prepaids$16,335.59
Total buyer cash needed$650,812.92
Remaining funds due$650,812.92
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$577.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,415.25
Initial HOA (3 months)$330.00
Prepaid interest, first (24 days)$294.73
Fees + prepaids$16,335.59
Your down payment is the seller’s equity. You take over the $115,523 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $650,812.92 is due at closing. Uses and sources reconcile at $766,335.59 each. Not a Closing Disclosure.