Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$761,604Cash toward the purchase price.
Closing costs + prepaids$17,541Not just lender fees.
Before credits & paid funds$779,145The complete starting cash picture.
Estimated remaining funds due at closing
$779,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$761,603.76
Your down payment$761,603.76
Closing costs + prepaids$17,541.46
Total buyer cash needed$779,145.22
Remaining funds due$779,145.22
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%)$9,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$836.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,114.75
Prepaid interest, first (6 days)$81.73
Fees + prepaids$17,541.46
Your down payment is the seller’s equity. You take over the $167,396 balance, so the rest of the $929,000 price is paid at closing. A second mortgage can cover part of it. $779,145.22 is due at closing. Uses and sources reconcile at $946,541.46 each. Not a Closing Disclosure.