Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$232,659Cash toward the purchase price.
Closing costs + prepaids$20,744Not just lender fees.
Before credits & paid funds$253,403The complete starting cash picture.
Estimated remaining funds due at closing
$253,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,659.23
Your down payment$232,659.23
Closing costs + prepaids$20,744.25
Total buyer cash needed$253,403.48
Remaining funds due$253,403.48
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%)$2,636.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,671.75
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$2,542.79
Fees + prepaids$20,744.25
Your down payment is the seller’s equity. You take over the $527,341 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $253,403.48 is due at closing. Uses and sources reconcile at $780,744.25 each. Not a Closing Disclosure.