Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$504,755Cash toward the purchase price.
Closing costs + prepaids$16,953Not just lender fees.
Before credits & paid funds$521,708The complete starting cash picture.
Estimated remaining funds due at closing
$521,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$504,755.38
Your down payment$504,755.38
Closing costs + prepaids$16,953.06
Total buyer cash needed$521,708.44
Remaining funds due$521,708.44
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%)$7,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,301.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$782.25
Initial HOA (3 months)$375.00
Prepaid interest, first (26 days)$626.58
Fees + prepaids$16,953.06
Your down payment is the seller’s equity. You take over the $260,245 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $521,708.44 is due at closing. Uses and sources reconcile at $781,953.06 each. Not a Closing Disclosure.