Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$527,054Cash toward the purchase price.
Closing costs + prepaids$15,901Not just lender fees.
Before credits & paid funds$542,955The complete starting cash picture.
Estimated remaining funds due at closing
$542,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$527,053.94
Your down payment$527,053.94
Closing costs + prepaids$15,901.12
Total buyer cash needed$542,955.06
Remaining funds due$542,955.06
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,114.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$664.00
Prepaid interest, first (24 days)$405.89
Fees + prepaids$15,901.12
Your down payment is the seller’s equity. You take over the $222,846 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $542,955.06 is due at closing. Uses and sources reconcile at $765,801.12 each. Not a Closing Disclosure.