Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$429,409Cash toward the purchase price.
Closing costs + prepaids$16,604Not just lender fees.
Before credits & paid funds$446,013The complete starting cash picture.
Estimated remaining funds due at closing
$446,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$429,408.57
Your down payment$429,408.57
Closing costs + prepaids$16,604.48
Total buyer cash needed$446,013.05
Remaining funds due$446,013.05
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%)$1,602.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$333.25
Prepaid interest, first (31 days)$950.27
Fees + prepaids$16,604.48
Your down payment is the seller’s equity. You take over the $320,591 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $446,013.05 is due at closing. Uses and sources reconcile at $766,604.48 each. Not a Closing Disclosure.