Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$274,796Cash toward the purchase price.
Closing costs + prepaids$19,688Not just lender fees.
Before credits & paid funds$294,484The complete starting cash picture.
Estimated remaining funds due at closing
$294,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,795.59
Your down payment$274,795.59
Closing costs + prepaids$19,688.26
Total buyer cash needed$294,483.86
Remaining funds due$294,483.86
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%)$7,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,421.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,897.50
Initial HOA (3 months)$423.00
Prepaid interest, first (29 days)$1,138.74
Fees + prepaids$19,688.26
Your down payment is the seller’s equity. You take over the $484,204 balance, so the rest of the $759,000 price is paid at closing. A second mortgage can cover part of it. $294,483.86 is due at closing. Uses and sources reconcile at $778,688.26 each. Not a Closing Disclosure.