Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$291,873Cash toward the purchase price.
Closing costs + prepaids$18,645Not just lender fees.
Before credits & paid funds$310,518The complete starting cash picture.
Estimated remaining funds due at closing
$310,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,872.89
Your down payment$291,872.89
Closing costs + prepaids$18,644.76
Total buyer cash needed$310,517.65
Remaining funds due$310,517.65
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%)$7,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,290.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,376.75
Initial HOA (3 months)$96.00
Prepaid interest, first (31 days)$1,163.39
Fees + prepaids$18,644.76
Your down payment is the seller’s equity. You take over the $458,126 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $310,517.65 is due at closing. Uses and sources reconcile at $768,643.76 each. Not a Closing Disclosure.