Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$231,391Cash toward the purchase price.
Closing costs + prepaids$18,837Not just lender fees.
Before credits & paid funds$250,228The complete starting cash picture.
Estimated remaining funds due at closing
$250,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,390.97
Your down payment$231,390.97
Closing costs + prepaids$18,837.50
Total buyer cash needed$250,228.47
Remaining funds due$250,228.47
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%)$7,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,642.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,228.25
Initial HOA (3 months)$23.76
Prepaid interest, first (27 days)$1,125.94
Fees + prepaids$18,837.50
Your down payment is the seller’s equity. You take over the $528,509 balance, so the rest of the $759,900 price is paid at closing. A second mortgage can cover part of it. $250,228.47 is due at closing. Uses and sources reconcile at $778,737.50 each. Not a Closing Disclosure.