Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$316,599Cash toward the purchase price.
Closing costs + prepaids$17,659Not just lender fees.
Before credits & paid funds$334,258The complete starting cash picture.
Estimated remaining funds due at closing
$334,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,598.77
Your down payment$316,598.77
Closing costs + prepaids$17,659.06
Total buyer cash needed$334,257.82
Remaining funds due$334,257.82
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%)$2,167.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$644.00
Prepaid interest, first (31 days)$1,130.05
Fees + prepaids$17,659.06
Your down payment is the seller’s equity. You take over the $433,401 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $334,257.82 is due at closing. Uses and sources reconcile at $767,659.06 each. Not a Closing Disclosure.