Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$406,015Cash toward the purchase price.
Closing costs + prepaids$17,951Not just lender fees.
Before credits & paid funds$423,966The complete starting cash picture.
Estimated remaining funds due at closing
$423,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$406,015.24
Your down payment$406,015.24
Closing costs + prepaids$17,950.69
Total buyer cash needed$423,965.93
Remaining funds due$423,965.93
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%)$1,719.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,006.25
Initial HOA (3 months)$384.00
Prepaid interest, first (2 days)$122.52
Fees + prepaids$17,950.69
Your down payment is the seller’s equity. You take over the $343,985 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $423,965.93 is due at closing. Uses and sources reconcile at $767,950.69 each. Not a Closing Disclosure.