Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$564,815Cash toward the purchase price.
Closing costs + prepaids$16,935Not just lender fees.
Before credits & paid funds$581,751The complete starting cash picture.
Estimated remaining funds due at closing
$581,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$564,815.17
Your down payment$564,815.17
Closing costs + prepaids$16,935.36
Total buyer cash needed$581,750.53
Remaining funds due$581,750.53
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%)$925.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Prepaid interest, first (27 days)$416.44
Fees + prepaids$16,935.36
Your down payment is the seller’s equity. You take over the $185,185 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $581,750.53 is due at closing. Uses and sources reconcile at $766,935.36 each. Not a Closing Disclosure.