Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$723,414Cash toward the purchase price.
Closing costs + prepaids$26,019Not just lender fees.
Before credits & paid funds$749,434The complete starting cash picture.
Estimated remaining funds due at closing
$749,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$723,414.41
Your down payment$723,414.41
Closing costs + prepaids$26,019.48
Total buyer cash needed$749,433.89
Remaining funds due$749,433.89
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%)$13,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,127.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,627.00
Initial HOA (3 months)$648.00
Prepaid interest, first (19 days)$908.56
Fees + prepaids$26,019.48
Your down payment is the seller’s equity. You take over the $625,586 balance, so the rest of the $1,349,000 price is paid at closing. A second mortgage can cover part of it. $749,433.89 is due at closing. Uses and sources reconcile at $1,375,019.48 each. Not a Closing Disclosure.