Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$221,602Cash toward the purchase price.
Closing costs + prepaids$20,628Not just lender fees.
Before credits & paid funds$242,230The complete starting cash picture.
Estimated remaining funds due at closing
$242,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,601.96
Your down payment$221,601.96
Closing costs + prepaids$20,628.47
Total buyer cash needed$242,230.43
Remaining funds due$242,230.43
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%)$2,641.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,206.00
Initial HOA (3 months)$795.00
Prepaid interest, first (23 days)$2,267.48
Fees + prepaids$20,628.47
Your down payment is the seller’s equity. You take over the $528,398 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $242,230.43 is due at closing. Uses and sources reconcile at $770,628.47 each. Not a Closing Disclosure.