Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$739,663Cash toward the purchase price.
Closing costs + prepaids$18,088Not just lender fees.
Before credits & paid funds$757,751The complete starting cash picture.
Estimated remaining funds due at closing
$757,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$739,663.20
Your down payment$739,663.20
Closing costs + prepaids$18,087.80
Total buyer cash needed$757,751.00
Remaining funds due$757,751.00
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%)$9,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,176.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$475.75
Prepaid interest, first (25 days)$468.86
Fees + prepaids$18,087.80
Your down payment is the seller’s equity. You take over the $235,237 balance, so the rest of the $974,900 price is paid at closing. A second mortgage can cover part of it. $757,751.00 is due at closing. Uses and sources reconcile at $992,987.80 each. Not a Closing Disclosure.