Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$464,952Cash toward the purchase price.
Closing costs + prepaids$16,462Not just lender fees.
Before credits & paid funds$481,414The complete starting cash picture.
Estimated remaining funds due at closing
$481,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$464,952.17
Your down payment$464,952.17
Closing costs + prepaids$16,461.96
Total buyer cash needed$481,414.13
Remaining funds due$481,414.13
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%)$7,540.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,445.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$810.50
Prepaid interest, first (20 days)$448.22
Fees + prepaids$16,461.96
Your down payment is the seller’s equity. You take over the $289,048 balance, so the rest of the $754,000 price is paid at closing. A second mortgage can cover part of it. $481,414.13 is due at closing. Uses and sources reconcile at $770,461.96 each. Not a Closing Disclosure.