Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$248,680Cash toward the purchase price.
Closing costs + prepaids$18,201Not just lender fees.
Before credits & paid funds$266,881The complete starting cash picture.
Estimated remaining funds due at closing
$266,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,680.35
Your down payment$248,680.35
Closing costs + prepaids$18,201.08
Total buyer cash needed$266,881.43
Remaining funds due$266,881.43
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%)$2,506.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$152.25
Initial HOA (3 months)$231.00
Prepaid interest, first (29 days)$1,593.24
Fees + prepaids$18,201.08
Your down payment is the seller’s equity. You take over the $501,320 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $266,881.43 is due at closing. Uses and sources reconcile at $768,201.08 each. Not a Closing Disclosure.