Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$682,696Cash toward the purchase price.
Closing costs + prepaids$56,229Not just lender fees.
Before credits & paid funds$738,925The complete starting cash picture.
Estimated remaining funds due at closing
$738,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$682,695.69
Your down payment$682,695.69
Closing costs + prepaids$56,228.84
Total buyer cash needed$738,924.53
Remaining funds due$738,924.53
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%)$29,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$11,561.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,829.75
Prepaid interest, first (28 days)$6,669.57
Fees + prepaids$56,228.84
Your down payment is the seller’s equity. You take over the $2,312,304 balance, so the rest of the $2,995,000 price is paid at closing. A second mortgage can cover part of it. $738,924.53 is due at closing. Uses and sources reconcile at $3,051,228.84 each. Not a Closing Disclosure.