Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$458,657Cash toward the purchase price.
Closing costs + prepaids$16,857Not just lender fees.
Before credits & paid funds$475,514The complete starting cash picture.
Estimated remaining funds due at closing
$475,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$458,657.08
Your down payment$458,657.08
Closing costs + prepaids$16,856.95
Total buyer cash needed$475,514.03
Remaining funds due$475,514.03
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%)$7,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,506.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$630.25
Initial HOA (3 months)$438.00
Prepaid interest, first (20 days)$463.99
Fees + prepaids$16,856.95
Your down payment is the seller’s equity. You take over the $301,343 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $475,514.03 is due at closing. Uses and sources reconcile at $776,856.95 each. Not a Closing Disclosure.