Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$526,185Cash toward the purchase price.
Closing costs + prepaids$17,906Not just lender fees.
Before credits & paid funds$544,091The complete starting cash picture.
Estimated remaining funds due at closing
$544,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$526,185.49
Your down payment$526,185.49
Closing costs + prepaids$17,905.99
Total buyer cash needed$544,091.47
Remaining funds due$544,091.47
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%)$7,499.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,118.82
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)$180.00
Prepaid interest, first (27 days)$1,014.66
Fees + prepaids$17,905.99
Your down payment is the seller’s equity. You take over the $223,765 balance, so the rest of the $749,950 price is paid at closing. A second mortgage can cover part of it. $544,091.47 is due at closing. Uses and sources reconcile at $767,855.99 each. Not a Closing Disclosure.