Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$461,934Cash toward the purchase price.
Closing costs + prepaids$16,208Not just lender fees.
Before credits & paid funds$478,142The complete starting cash picture.
Estimated remaining funds due at closing
$478,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$461,934.17
Your down payment$461,934.17
Closing costs + prepaids$16,207.66
Total buyer cash needed$478,141.83
Remaining funds due$478,141.83
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%)$1,440.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,005.25
Initial HOA (3 months)$0.99
Prepaid interest, first (2 days)$43.09
Fees + prepaids$16,207.66
Your down payment is the seller’s equity. You take over the $288,066 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $478,141.83 is due at closing. Uses and sources reconcile at $766,207.66 each. Not a Closing Disclosure.