Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$705,824Cash toward the purchase price.
Closing costs + prepaids$36,077Not just lender fees.
Before credits & paid funds$741,901The complete starting cash picture.
Estimated remaining funds due at closing
$741,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$705,824.18
Your down payment$705,824.18
Closing costs + prepaids$36,077.14
Total buyer cash needed$741,901.32
Remaining funds due$741,901.32
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%)$17,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,095.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,564.00
Initial HOA (3 months)$630.00
Prepaid interest, first (30 days)$5,319.26
Fees + prepaids$36,077.14
Your down payment is the seller’s equity. You take over the $1,019,176 balance, so the rest of the $1,725,000 price is paid at closing. A second mortgage can cover part of it. $741,901.32 is due at closing. Uses and sources reconcile at $1,761,077.14 each. Not a Closing Disclosure.