Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$262,877Cash toward the purchase price.
Closing costs + prepaids$18,814Not just lender fees.
Before credits & paid funds$281,691The complete starting cash picture.
Estimated remaining funds due at closing
$281,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,876.99
Your down payment$262,876.99
Closing costs + prepaids$18,813.96
Total buyer cash needed$281,690.94
Remaining funds due$281,690.94
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%)$2,435.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,241.00
Initial HOA (3 months)$414.00
Prepaid interest, first (27 days)$1,005.34
Fees + prepaids$18,813.96
Your down payment is the seller’s equity. You take over the $487,123 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $281,690.94 is due at closing. Uses and sources reconcile at $768,813.96 each. Not a Closing Disclosure.