Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$235,296Cash toward the purchase price.
Closing costs + prepaids$18,757Not just lender fees.
Before credits & paid funds$254,053The complete starting cash picture.
Estimated remaining funds due at closing
$254,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,295.94
Your down payment$235,295.94
Closing costs + prepaids$18,757.10
Total buyer cash needed$254,053.04
Remaining funds due$254,053.04
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%)$7,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,573.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Initial HOA (3 months)$450.00
Prepaid interest, first (2 days)$140.73
Fees + prepaids$18,757.10
Your down payment is the seller’s equity. You take over the $514,694 balance, so the rest of the $749,990 price is paid at closing. A second mortgage can cover part of it. $254,053.04 is due at closing. Uses and sources reconcile at $768,747.10 each. Not a Closing Disclosure.