Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$488,358Cash toward the purchase price.
Closing costs + prepaids$17,501Not just lender fees.
Before credits & paid funds$505,859The complete starting cash picture.
Estimated remaining funds due at closing
$505,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$488,358.36
Your down payment$488,358.36
Closing costs + prepaids$17,500.99
Total buyer cash needed$505,859.35
Remaining funds due$505,859.35
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,307.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$784.25
Initial HOA (3 months)$1,050.00
Prepaid interest, first (28 days)$642.03
Fees + prepaids$17,500.99
Your down payment is the seller’s equity. You take over the $261,542 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $505,859.35 is due at closing. Uses and sources reconcile at $767,400.99 each. Not a Closing Disclosure.