Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$274,061Cash toward the purchase price.
Closing costs + prepaids$18,245Not just lender fees.
Before credits & paid funds$292,306The complete starting cash picture.
Estimated remaining funds due at closing
$292,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,061.16
Your down payment$274,061.16
Closing costs + prepaids$18,244.50
Total buyer cash needed$292,305.67
Remaining funds due$292,305.67
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,374.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,910.00
Initial HOA (3 months)$78.75
Prepaid interest, first (5 days)$173.06
Fees + prepaids$18,244.50
Your down payment is the seller’s equity. You take over the $474,939 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $292,305.67 is due at closing. Uses and sources reconcile at $767,244.50 each. Not a Closing Disclosure.