Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$451,896Cash toward the purchase price.
Closing costs + prepaids$18,034Not just lender fees.
Before credits & paid funds$469,930The complete starting cash picture.
Estimated remaining funds due at closing
$469,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$451,896.26
Your down payment$451,896.26
Closing costs + prepaids$18,034.15
Total buyer cash needed$469,930.41
Remaining funds due$469,930.41
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%)$7,474.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,478.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,104.00
Initial HOA (3 months)$375.00
Prepaid interest, first (27 days)$1,384.15
Fees + prepaids$18,034.15
Your down payment is the seller’s equity. You take over the $295,603 balance, so the rest of the $747,499 price is paid at closing. A second mortgage can cover part of it. $469,930.41 is due at closing. Uses and sources reconcile at $765,533.15 each. Not a Closing Disclosure.