Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$470,349Cash toward the purchase price.
Closing costs + prepaids$18,469Not just lender fees.
Before credits & paid funds$488,819The complete starting cash picture.
Estimated remaining funds due at closing
$488,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$470,349.22
Your down payment$470,349.22
Closing costs + prepaids$18,469.47
Total buyer cash needed$488,818.68
Remaining funds due$488,818.68
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%)$7,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,447.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,899.75
Prepaid interest, first (25 days)$1,304.96
Fees + prepaids$18,469.47
Your down payment is the seller’s equity. You take over the $289,551 balance, so the rest of the $759,900 price is paid at closing. A second mortgage can cover part of it. $488,818.68 is due at closing. Uses and sources reconcile at $778,369.47 each. Not a Closing Disclosure.