Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$702,174Cash toward the purchase price.
Closing costs + prepaids$23,926Not just lender fees.
Before credits & paid funds$726,100The complete starting cash picture.
Estimated remaining funds due at closing
$726,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$702,174.36
Your down payment$702,174.36
Closing costs + prepaids$23,925.65
Total buyer cash needed$726,100.01
Remaining funds due$726,100.01
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%)$12,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,739.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,562.50
Initial HOA (3 months)$345.00
Prepaid interest, first (14 days)$561.03
Fees + prepaids$23,925.65
Your down payment is the seller’s equity. You take over the $547,825 balance, so the rest of the $1,249,999 price is paid at closing. A second mortgage can cover part of it. $726,100.01 is due at closing. Uses and sources reconcile at $1,273,924.65 each. Not a Closing Disclosure.