Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$281,825Cash toward the purchase price.
Closing costs + prepaids$18,194Not just lender fees.
Before credits & paid funds$300,019The complete starting cash picture.
Estimated remaining funds due at closing
$300,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,825.33
Your down payment$281,825.33
Closing costs + prepaids$18,193.53
Total buyer cash needed$300,018.86
Remaining funds due$300,018.86
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%)$7,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,385.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$919.25
Initial HOA (3 months)$330.00
Prepaid interest, first (20 days)$750.41
Fees + prepaids$18,193.53
Your down payment is the seller’s equity. You take over the $477,175 balance, so the rest of the $759,000 price is paid at closing. A second mortgage can cover part of it. $300,018.86 is due at closing. Uses and sources reconcile at $777,193.53 each. Not a Closing Disclosure.