Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$280,890Cash toward the purchase price.
Closing costs + prepaids$20,008Not just lender fees.
Before credits & paid funds$300,898The complete starting cash picture.
Estimated remaining funds due at closing
$300,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,890.38
Your down payment$280,890.38
Closing costs + prepaids$20,007.51
Total buyer cash needed$300,897.88
Remaining funds due$300,897.88
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%)$7,599.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,395.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,900.00
Initial HOA (3 months)$930.00
Prepaid interest, first (27 days)$963.99
Fees + prepaids$20,007.51
Your down payment is the seller’s equity. You take over the $479,108 balance, so the rest of the $759,998 price is paid at closing. A second mortgage can cover part of it. $300,897.88 is due at closing. Uses and sources reconcile at $780,005.51 each. Not a Closing Disclosure.