Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$527,151Cash toward the purchase price.
Closing costs + prepaids$17,402Not just lender fees.
Before credits & paid funds$544,553The complete starting cash picture.
Estimated remaining funds due at closing
$544,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$527,150.90
Your down payment$527,150.90
Closing costs + prepaids$17,402.11
Total buyer cash needed$544,553.00
Remaining funds due$544,553.00
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%)$7,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,164.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,900.00
Prepaid interest, first (29 days)$519.86
Fees + prepaids$17,402.11
Your down payment is the seller’s equity. You take over the $232,849 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $544,553.00 is due at closing. Uses and sources reconcile at $777,402.11 each. Not a Closing Disclosure.