Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$276,694Cash toward the purchase price.
Closing costs + prepaids$22,218Not just lender fees.
Before credits & paid funds$298,912The complete starting cash picture.
Estimated remaining funds due at closing
$298,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,694.00
Your down payment$276,694.00
Closing costs + prepaids$22,217.58
Total buyer cash needed$298,911.58
Remaining funds due$298,911.58
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%)$7,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,416.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,867.25
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$982.30
Fees + prepaids$22,217.58
Your down payment is the seller’s equity. You take over the $483,206 balance, so the rest of the $759,900 price is paid at closing. A second mortgage can cover part of it. $298,911.58 is due at closing. Uses and sources reconcile at $782,117.58 each. Not a Closing Disclosure.