Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$289,029Cash toward the purchase price.
Closing costs + prepaids$18,977Not just lender fees.
Before credits & paid funds$308,005The complete starting cash picture.
Estimated remaining funds due at closing
$308,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,028.51
Your down payment$289,028.51
Closing costs + prepaids$18,976.95
Total buyer cash needed$308,005.45
Remaining funds due$308,005.45
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%)$7,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,354.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,209.00
Initial HOA (3 months)$480.24
Prepaid interest, first (30 days)$1,114.85
Fees + prepaids$18,976.95
Your down payment is the seller’s equity. You take over the $470,971 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $308,005.45 is due at closing. Uses and sources reconcile at $778,976.95 each. Not a Closing Disclosure.