Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$561,113Cash toward the purchase price.
Closing costs + prepaids$16,598Not just lender fees.
Before credits & paid funds$577,711The complete starting cash picture.
Estimated remaining funds due at closing
$577,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$561,113.09
Your down payment$561,113.09
Closing costs + prepaids$16,597.86
Total buyer cash needed$577,710.95
Remaining funds due$577,710.95
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$939.43
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,202.75
Initial HOA (3 months)$201.00
Prepaid interest, first (30 days)$546.67
Fees + prepaids$16,597.86
Your down payment is the seller’s equity. You take over the $187,887 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $577,710.95 is due at closing. Uses and sources reconcile at $765,597.86 each. Not a Closing Disclosure.