Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$263,398Cash toward the purchase price.
Closing costs + prepaids$18,914Not just lender fees.
Before credits & paid funds$282,312The complete starting cash picture.
Estimated remaining funds due at closing
$282,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,397.89
Your down payment$263,397.89
Closing costs + prepaids$18,913.85
Total buyer cash needed$282,311.74
Remaining funds due$282,311.74
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%)$7,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,408.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,862.50
Prepaid interest, first (24 days)$975.34
Fees + prepaids$18,913.85
Your down payment is the seller’s equity. You take over the $481,602 balance, so the rest of the $745,000 price is paid at closing. A second mortgage can cover part of it. $282,311.74 is due at closing. Uses and sources reconcile at $763,913.85 each. Not a Closing Disclosure.