Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$458,657Cash toward the purchase price.
Closing costs + prepaids$17,112Not just lender fees.
Before credits & paid funds$475,769The complete starting cash picture.
Estimated remaining funds due at closing
$475,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$458,657.08
Your down payment$458,657.08
Closing costs + prepaids$17,112.14
Total buyer cash needed$475,769.22
Remaining funds due$475,769.22
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%)$7,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,506.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$630.25
Initial HOA (3 months)$438.00
Prepaid interest, first (31 days)$719.18
Fees + prepaids$17,112.14
Your down payment is the seller’s equity. You take over the $301,343 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $475,769.22 is due at closing. Uses and sources reconcile at $777,112.14 each. Not a Closing Disclosure.