Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$235,929Cash toward the purchase price.
Closing costs + prepaids$20,230Not just lender fees.
Before credits & paid funds$256,159The complete starting cash picture.
Estimated remaining funds due at closing
$256,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,928.95
Your down payment$235,928.95
Closing costs + prepaids$20,229.61
Total buyer cash needed$256,158.56
Remaining funds due$256,158.56
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%)$7,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,570.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Initial HOA (3 months)$450.00
Prepaid interest, first (23 days)$1,616.41
Fees + prepaids$20,229.61
Your down payment is the seller’s equity. You take over the $514,061 balance, so the rest of the $749,990 price is paid at closing. A second mortgage can cover part of it. $256,158.56 is due at closing. Uses and sources reconcile at $770,219.61 each. Not a Closing Disclosure.