Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$410,005Cash toward the purchase price.
Closing costs + prepaids$17,705Not just lender fees.
Before credits & paid funds$427,711The complete starting cash picture.
Estimated remaining funds due at closing
$427,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$410,005.48
Your down payment$410,005.48
Closing costs + prepaids$17,705.16
Total buyer cash needed$427,710.64
Remaining funds due$427,710.64
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%)$7,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,744.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,897.50
Initial HOA (3 months)$189.00
Prepaid interest, first (1 days)$65.69
Fees + prepaids$17,705.16
Your down payment is the seller’s equity. You take over the $348,995 balance, so the rest of the $759,000 price is paid at closing. A second mortgage can cover part of it. $427,710.64 is due at closing. Uses and sources reconcile at $776,705.16 each. Not a Closing Disclosure.