Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$393,856Cash toward the purchase price.
Closing costs + prepaids$16,873Not just lender fees.
Before credits & paid funds$410,729The complete starting cash picture.
Estimated remaining funds due at closing
$410,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,856.37
Your down payment$393,856.37
Closing costs + prepaids$16,872.77
Total buyer cash needed$410,729.14
Remaining funds due$410,729.14
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%)$1,780.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Initial HOA (3 months)$354.99
Prepaid interest, first (28 days)$1,019.06
Fees + prepaids$16,872.77
Your down payment is the seller’s equity. You take over the $356,144 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $410,729.14 is due at closing. Uses and sources reconcile at $766,872.77 each. Not a Closing Disclosure.