Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$281,825Cash toward the purchase price.
Closing costs + prepaids$18,231Not just lender fees.
Before credits & paid funds$300,056The complete starting cash picture.
Estimated remaining funds due at closing
$300,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,825.33
Your down payment$281,825.33
Closing costs + prepaids$18,231.05
Total buyer cash needed$300,056.38
Remaining funds due$300,056.38
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%)$7,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,385.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$919.25
Initial HOA (3 months)$330.00
Prepaid interest, first (21 days)$787.93
Fees + prepaids$18,231.05
Your down payment is the seller’s equity. You take over the $477,175 balance, so the rest of the $759,000 price is paid at closing. A second mortgage can cover part of it. $300,056.38 is due at closing. Uses and sources reconcile at $777,231.05 each. Not a Closing Disclosure.