Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$267,170Cash toward the purchase price.
Closing costs + prepaids$18,242Not just lender fees.
Before credits & paid funds$285,412The complete starting cash picture.
Estimated remaining funds due at closing
$285,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,170.12
Your down payment$267,170.12
Closing costs + prepaids$18,241.58
Total buyer cash needed$285,411.70
Remaining funds due$285,411.70
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,414.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$727.50
Initial HOA (3 months)$123.00
Prepaid interest, first (31 days)$1,258.93
Fees + prepaids$18,241.58
Your down payment is the seller’s equity. You take over the $482,830 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $285,411.70 is due at closing. Uses and sources reconcile at $768,241.58 each. Not a Closing Disclosure.