Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$739,310Cash toward the purchase price.
Closing costs + prepaids$23,189Not just lender fees.
Before credits & paid funds$762,500The complete starting cash picture.
Estimated remaining funds due at closing
$762,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$739,310.28
Your down payment$739,310.28
Closing costs + prepaids$23,189.37
Total buyer cash needed$762,499.65
Remaining funds due$762,499.65
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%)$12,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,553.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$784.25
Initial HOA (3 months)$126.00
Prepaid interest, first (26 days)$1,007.67
Fees + prepaids$23,189.37
Your down payment is the seller’s equity. You take over the $510,690 balance, so the rest of the $1,250,000 price is paid at closing. A second mortgage can cover part of it. $762,499.65 is due at closing. Uses and sources reconcile at $1,273,189.37 each. Not a Closing Disclosure.