Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$287,889Cash toward the purchase price.
Closing costs + prepaids$17,942Not just lender fees.
Before credits & paid funds$305,831The complete starting cash picture.
Estimated remaining funds due at closing
$305,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,889.13
Your down payment$287,889.13
Closing costs + prepaids$17,942.30
Total buyer cash needed$305,831.43
Remaining funds due$305,831.43
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%)$2,360.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,209.00
Initial HOA (3 months)$480.24
Prepaid interest, first (2 days)$74.50
Fees + prepaids$17,942.30
Your down payment is the seller’s equity. You take over the $472,111 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $305,831.43 is due at closing. Uses and sources reconcile at $777,942.30 each. Not a Closing Disclosure.