Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$737,882Cash toward the purchase price.
Closing costs + prepaids$37,953Not just lender fees.
Before credits & paid funds$775,835The complete starting cash picture.
Estimated remaining funds due at closing
$775,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$737,882.33
Your down payment$737,882.33
Closing costs + prepaids$37,953.14
Total buyer cash needed$775,835.47
Remaining funds due$775,835.47
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%)$20,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,810.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,520.00
Prepaid interest, first (12 days)$1,406.05
Fees + prepaids$37,953.14
Your down payment is the seller’s equity. You take over the $1,362,018 balance, so the rest of the $2,099,900 price is paid at closing. A second mortgage can cover part of it. $775,835.47 is due at closing. Uses and sources reconcile at $2,137,853.14 each. Not a Closing Disclosure.