Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$265,749Cash toward the purchase price.
Closing costs + prepaids$17,849Not just lender fees.
Before credits & paid funds$283,598The complete starting cash picture.
Estimated remaining funds due at closing
$283,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,748.84
Your down payment$265,748.84
Closing costs + prepaids$17,849.18
Total buyer cash needed$283,598.02
Remaining funds due$283,598.02
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,420.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,455.00
Initial HOA (3 months)$80.01
Prepaid interest, first (2 days)$176.42
Fees + prepaids$17,849.18
Your down payment is the seller’s equity. You take over the $484,151 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $283,598.02 is due at closing. Uses and sources reconcile at $767,749.18 each. Not a Closing Disclosure.