Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$311,458Cash toward the purchase price.
Closing costs + prepaids$19,013Not just lender fees.
Before credits & paid funds$330,471The complete starting cash picture.
Estimated remaining funds due at closing
$330,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,457.89
Your down payment$311,457.89
Closing costs + prepaids$19,013.38
Total buyer cash needed$330,471.28
Remaining funds due$330,471.28
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,192.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,874.75
Initial HOA (3 months)$255.00
Prepaid interest, first (26 days)$974.42
Fees + prepaids$19,013.38
Your down payment is the seller’s equity. You take over the $438,442 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $330,471.28 is due at closing. Uses and sources reconcile at $768,913.38 each. Not a Closing Disclosure.