Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$310,343Cash toward the purchase price.
Closing costs + prepaids$18,338Not just lender fees.
Before credits & paid funds$328,681The complete starting cash picture.
Estimated remaining funds due at closing
$328,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,343.15
Your down payment$310,343.15
Closing costs + prepaids$18,337.98
Total buyer cash needed$328,681.13
Remaining funds due$328,681.13
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%)$2,198.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$553.50
Initial HOA (3 months)$879.99
Prepaid interest, first (28 days)$988.20
Fees + prepaids$18,337.98
Your down payment is the seller’s equity. You take over the $439,657 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $328,681.13 is due at closing. Uses and sources reconcile at $768,337.98 each. Not a Closing Disclosure.