Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$310,206Cash toward the purchase price.
Closing costs + prepaids$18,360Not just lender fees.
Before credits & paid funds$328,566The complete starting cash picture.
Estimated remaining funds due at closing
$328,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,205.97
Your down payment$310,205.97
Closing costs + prepaids$18,360.10
Total buyer cash needed$328,566.08
Remaining funds due$328,566.08
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%)$2,198.97
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 (25 days)$951.88
Fees + prepaids$18,360.10
Your down payment is the seller’s equity. You take over the $439,794 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $328,566.08 is due at closing. Uses and sources reconcile at $768,360.10 each. Not a Closing Disclosure.