Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$415,767Cash toward the purchase price.
Closing costs + prepaids$16,988Not just lender fees.
Before credits & paid funds$432,754The complete starting cash picture.
Estimated remaining funds due at closing
$432,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$415,766.72
Your down payment$415,766.72
Closing costs + prepaids$16,987.71
Total buyer cash needed$432,754.42
Remaining funds due$432,754.42
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%)$1,671.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$543.25
Initial HOA (3 months)$321.99
Prepaid interest, first (26 days)$733.30
Fees + prepaids$16,987.71
Your down payment is the seller’s equity. You take over the $334,233 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $432,754.42 is due at closing. Uses and sources reconcile at $766,987.71 each. Not a Closing Disclosure.