Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$254,887Cash toward the purchase price.
Closing costs + prepaids$19,240Not just lender fees.
Before credits & paid funds$274,127The complete starting cash picture.
Estimated remaining funds due at closing
$274,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,886.74
Your down payment$254,886.74
Closing costs + prepaids$19,239.83
Total buyer cash needed$274,126.57
Remaining funds due$274,126.57
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%)$2,475.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,064.25
Initial HOA (3 months)$252.51
Prepaid interest, first (25 days)$1,729.51
Fees + prepaids$19,239.83
Your down payment is the seller’s equity. You take over the $495,113 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $274,126.57 is due at closing. Uses and sources reconcile at $769,239.83 each. Not a Closing Disclosure.