Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$421,896Cash toward the purchase price.
Closing costs + prepaids$16,883Not just lender fees.
Before credits & paid funds$438,778The complete starting cash picture.
Estimated remaining funds due at closing
$438,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,895.71
Your down payment$421,895.71
Closing costs + prepaids$16,882.77
Total buyer cash needed$438,778.48
Remaining funds due$438,778.48
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%)$1,640.52
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)$333.00
Prepaid interest, first (12 days)$291.25
Fees + prepaids$16,882.77
Your down payment is the seller’s equity. You take over the $328,104 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $438,778.48 is due at closing. Uses and sources reconcile at $766,882.77 each. Not a Closing Disclosure.