Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$746,204Cash toward the purchase price.
Closing costs + prepaids$15,978Not just lender fees.
Before credits & paid funds$762,181The complete starting cash picture.
Estimated remaining funds due at closing
$762,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$746,203.51
Your down payment$746,203.51
Closing costs + prepaids$15,977.86
Total buyer cash needed$762,181.37
Remaining funds due$762,181.37
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$393.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,031.25
Prepaid interest, first (16 days)$84.63
Fees + prepaids$15,977.86
Your down payment is the seller’s equity. You take over the $78,796 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $762,181.37 is due at closing. Uses and sources reconcile at $840,977.86 each. Not a Closing Disclosure.