Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$731,081Cash toward the purchase price.
Closing costs + prepaids$20,852Not just lender fees.
Before credits & paid funds$751,933The complete starting cash picture.
Estimated remaining funds due at closing
$751,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$731,080.98
Your down payment$731,080.98
Closing costs + prepaids$20,851.74
Total buyer cash needed$751,932.72
Remaining funds due$751,932.72
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%)$10,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,844.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,320.00
Initial HOA (3 months)$90.51
Prepaid interest, first (9 days)$380.14
Fees + prepaids$20,851.74
Your down payment is the seller’s equity. You take over the $368,819 balance, so the rest of the $1,099,900 price is paid at closing. A second mortgage can cover part of it. $751,932.72 is due at closing. Uses and sources reconcile at $1,120,751.74 each. Not a Closing Disclosure.