Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$266,226Cash toward the purchase price.
Closing costs + prepaids$19,697Not just lender fees.
Before credits & paid funds$285,923The complete starting cash picture.
Estimated remaining funds due at closing
$285,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,226.28
Your down payment$266,226.28
Closing costs + prepaids$19,697.17
Total buyer cash needed$285,923.45
Remaining funds due$285,923.45
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%)$2,418.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,455.00
Initial HOA (3 months)$80.01
Prepaid interest, first (23 days)$2,026.79
Fees + prepaids$19,697.17
Your down payment is the seller’s equity. You take over the $483,674 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $285,923.45 is due at closing. Uses and sources reconcile at $769,597.17 each. Not a Closing Disclosure.