Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$435,518Cash toward the purchase price.
Closing costs + prepaids$17,888Not just lender fees.
Before credits & paid funds$453,407The complete starting cash picture.
Estimated remaining funds due at closing
$453,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$435,518.40
Your down payment$435,518.40
Closing costs + prepaids$17,888.33
Total buyer cash needed$453,406.72
Remaining funds due$453,406.72
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%)$1,547.41
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 (27 days)$810.42
Fees + prepaids$17,888.33
Your down payment is the seller’s equity. You take over the $309,482 balance, so the rest of the $745,000 price is paid at closing. A second mortgage can cover part of it. $453,406.72 is due at closing. Uses and sources reconcile at $762,888.33 each. Not a Closing Disclosure.