Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$275,111Cash toward the purchase price.
Closing costs + prepaids$18,007Not just lender fees.
Before credits & paid funds$293,118The complete starting cash picture.
Estimated remaining funds due at closing
$293,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,111.35
Your down payment$275,111.35
Closing costs + prepaids$18,007.13
Total buyer cash needed$293,118.48
Remaining funds due$293,118.48
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%)$2,374.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Prepaid interest, first (1 days)$39.68
Fees + prepaids$18,007.13
Your down payment is the seller’s equity. You take over the $474,889 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $293,118.48 is due at closing. Uses and sources reconcile at $768,007.13 each. Not a Closing Disclosure.