Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$474,258Cash toward the purchase price.
Closing costs + prepaids$16,140Not just lender fees.
Before credits & paid funds$490,398The complete starting cash picture.
Estimated remaining funds due at closing
$490,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$474,258.24
Your down payment$474,258.24
Closing costs + prepaids$16,139.67
Total buyer cash needed$490,397.92
Remaining funds due$490,397.92
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%)$7,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,448.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$810.50
Prepaid interest, first (1 days)$22.46
Fees + prepaids$16,139.67
Your down payment is the seller’s equity. You take over the $289,742 balance, so the rest of the $764,000 price is paid at closing. A second mortgage can cover part of it. $490,397.92 is due at closing. Uses and sources reconcile at $780,139.67 each. Not a Closing Disclosure.