Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$424,867Cash toward the purchase price.
Closing costs + prepaids$16,798Not just lender fees.
Before credits & paid funds$441,666The complete starting cash picture.
Estimated remaining funds due at closing
$441,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$424,867.39
Your down payment$424,867.39
Closing costs + prepaids$16,798.39
Total buyer cash needed$441,665.78
Remaining funds due$441,665.78
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%)$1,625.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$710.75
Prepaid interest, first (29 days)$743.97
Fees + prepaids$16,798.39
Your down payment is the seller’s equity. You take over the $325,133 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $441,665.78 is due at closing. Uses and sources reconcile at $766,798.39 each. Not a Closing Disclosure.