Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$462,614Cash toward the purchase price.
Closing costs + prepaids$17,054Not just lender fees.
Before credits & paid funds$479,668The complete starting cash picture.
Estimated remaining funds due at closing
$479,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$462,614.09
Your down payment$462,614.09
Closing costs + prepaids$17,053.53
Total buyer cash needed$479,667.63
Remaining funds due$479,667.63
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%)$1,436.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,005.25
Initial HOA (3 months)$270.00
Prepaid interest, first (29 days)$623.35
Fees + prepaids$17,053.53
Your down payment is the seller’s equity. You take over the $287,386 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $479,667.63 is due at closing. Uses and sources reconcile at $767,053.53 each. Not a Closing Disclosure.