Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$748,285Cash toward the purchase price.
Closing costs + prepaids$28,005Not just lender fees.
Before credits & paid funds$776,290The complete starting cash picture.
Estimated remaining funds due at closing
$776,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$748,284.96
Your down payment$748,284.96
Closing costs + prepaids$28,004.77
Total buyer cash needed$776,289.73
Remaining funds due$776,289.73
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%)$14,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,458.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,728.00
Initial HOA (3 months)$722.01
Prepaid interest, first (12 days)$1,478.19
Fees + prepaids$28,004.77
Your down payment is the seller’s equity. You take over the $691,715 balance, so the rest of the $1,440,000 price is paid at closing. A second mortgage can cover part of it. $776,289.73 is due at closing. Uses and sources reconcile at $1,468,004.77 each. Not a Closing Disclosure.