Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$272,021Cash toward the purchase price.
Closing costs + prepaids$18,129Not just lender fees.
Before credits & paid funds$290,151The complete starting cash picture.
Estimated remaining funds due at closing
$290,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,021.14
Your down payment$272,021.14
Closing costs + prepaids$18,129.47
Total buyer cash needed$290,150.60
Remaining funds due$290,150.60
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%)$2,389.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$900.00
Initial HOA (3 months)$768.00
Prepaid interest, first (12 days)$353.57
Fees + prepaids$18,129.47
Your down payment is the seller’s equity. You take over the $477,979 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $290,150.60 is due at closing. Uses and sources reconcile at $768,129.47 each. Not a Closing Disclosure.