Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$748,769Cash toward the purchase price.
Closing costs + prepaids$17,616Not just lender fees.
Before credits & paid funds$766,385The complete starting cash picture.
Estimated remaining funds due at closing
$766,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$748,768.80
Your down payment$748,768.80
Closing costs + prepaids$17,616.41
Total buyer cash needed$766,385.21
Remaining funds due$766,385.21
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$881.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,110.00
Initial HOA (3 months)$11.25
Prepaid interest, first (12 days)$146.01
Fees + prepaids$17,616.41
Your down payment is the seller’s equity. You take over the $176,231 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $766,385.21 is due at closing. Uses and sources reconcile at $942,616.41 each. Not a Closing Disclosure.