Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$310,070Cash toward the purchase price.
Closing costs + prepaids$16,675Not just lender fees.
Before credits & paid funds$326,745The complete starting cash picture.
Estimated remaining funds due at closing
$326,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,070.09
Your down payment$310,070.09
Closing costs + prepaids$16,674.52
Total buyer cash needed$326,744.62
Remaining funds due$326,744.62
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%)$2,199.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$713.00
Prepaid interest, first (1 days)$43.87
Fees + prepaids$16,674.52
Your down payment is the seller’s equity. You take over the $439,930 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $326,744.62 is due at closing. Uses and sources reconcile at $766,674.52 each. Not a Closing Disclosure.