Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$283,836Cash toward the purchase price.
Closing costs + prepaids$18,274Not just lender fees.
Before credits & paid funds$302,111The complete starting cash picture.
Estimated remaining funds due at closing
$302,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,836.24
Your down payment$283,836.24
Closing costs + prepaids$18,274.41
Total buyer cash needed$302,110.65
Remaining funds due$302,110.65
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%)$7,665.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,413.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$871.25
Initial HOA (3 months)$324.00
Prepaid interest, first (20 days)$782.84
Fees + prepaids$18,274.41
Your down payment is the seller’s equity. You take over the $482,664 balance, so the rest of the $766,500 price is paid at closing. A second mortgage can cover part of it. $302,110.65 is due at closing. Uses and sources reconcile at $784,774.41 each. Not a Closing Disclosure.