Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$457,935Cash toward the purchase price.
Closing costs + prepaids$16,420Not just lender fees.
Before credits & paid funds$474,355The complete starting cash picture.
Estimated remaining funds due at closing
$474,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$457,935.12
Your down payment$457,935.12
Closing costs + prepaids$16,419.83
Total buyer cash needed$474,354.95
Remaining funds due$474,354.95
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%)$1,510.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$630.25
Initial HOA (3 months)$438.00
Prepaid interest, first (1 days)$23.25
Fees + prepaids$16,419.83
Your down payment is the seller’s equity. You take over the $302,065 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $474,354.95 is due at closing. Uses and sources reconcile at $776,419.83 each. Not a Closing Disclosure.