Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$445,401Cash toward the purchase price.
Closing costs + prepaids$17,980Not just lender fees.
Before credits & paid funds$463,381The complete starting cash picture.
Estimated remaining funds due at closing
$463,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$445,400.89
Your down payment$445,400.89
Closing costs + prepaids$17,979.97
Total buyer cash needed$463,380.86
Remaining funds due$463,380.86
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%)$1,523.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Prepaid interest, first (29 days)$863.98
Fees + prepaids$17,979.97
Your down payment is the seller’s equity. You take over the $304,599 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $463,380.86 is due at closing. Uses and sources reconcile at $767,979.97 each. Not a Closing Disclosure.