Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$473,186Cash toward the purchase price.
Closing costs + prepaids$16,528Not just lender fees.
Before credits & paid funds$489,714The complete starting cash picture.
Estimated remaining funds due at closing
$489,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$473,185.80
Your down payment$473,185.80
Closing costs + prepaids$16,527.79
Total buyer cash needed$489,713.58
Remaining funds due$489,713.58
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,384.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$846.00
Prepaid interest, first (28 days)$579.72
Fees + prepaids$16,527.79
Your down payment is the seller’s equity. You take over the $276,814 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $489,713.58 is due at closing. Uses and sources reconcile at $766,527.79 each. Not a Closing Disclosure.