Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$307,315Cash toward the purchase price.
Closing costs + prepaids$18,558Not just lender fees.
Before credits & paid funds$325,873The complete starting cash picture.
Estimated remaining funds due at closing
$325,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,315.38
Your down payment$307,315.38
Closing costs + prepaids$18,557.78
Total buyer cash needed$325,873.16
Remaining funds due$325,873.16
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%)$7,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,263.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$461.00
Prepaid interest, first (25 days)$2,015.37
Fees + prepaids$18,557.78
Your down payment is the seller’s equity. You take over the $452,684 balance, so the rest of the $759,999 price is paid at closing. A second mortgage can cover part of it. $325,873.16 is due at closing. Uses and sources reconcile at $778,556.78 each. Not a Closing Disclosure.