Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$309,171Cash toward the purchase price.
Closing costs + prepaids$17,452Not just lender fees.
Before credits & paid funds$326,622The complete starting cash picture.
Estimated remaining funds due at closing
$326,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,170.92
Your down payment$309,170.92
Closing costs + prepaids$17,451.56
Total buyer cash needed$326,622.48
Remaining funds due$326,622.48
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%)$2,204.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$741.25
Initial HOA (3 months)$750.00
Prepaid interest, first (1 days)$38.16
Fees + prepaids$17,451.56
Your down payment is the seller’s equity. You take over the $440,829 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $326,622.48 is due at closing. Uses and sources reconcile at $767,451.56 each. Not a Closing Disclosure.