Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$447,117Cash toward the purchase price.
Closing costs + prepaids$18,065Not just lender fees.
Before credits & paid funds$465,182The complete starting cash picture.
Estimated remaining funds due at closing
$465,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$447,116.81
Your down payment$447,116.81
Closing costs + prepaids$18,065.13
Total buyer cash needed$465,181.94
Remaining funds due$465,181.94
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%)$7,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,489.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,045.00
Prepaid interest, first (31 days)$862.72
Fees + prepaids$18,065.13
Your down payment is the seller’s equity. You take over the $297,883 balance, so the rest of the $745,000 price is paid at closing. A second mortgage can cover part of it. $465,181.94 is due at closing. Uses and sources reconcile at $763,065.13 each. Not a Closing Disclosure.