Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$474,952Cash toward the purchase price.
Closing costs + prepaids$16,808Not just lender fees.
Before credits & paid funds$491,761The complete starting cash picture.
Estimated remaining funds due at closing
$491,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$474,952.17
Your down payment$474,952.17
Closing costs + prepaids$16,808.48
Total buyer cash needed$491,760.65
Remaining funds due$491,760.65
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%)$7,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,445.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$810.50
Prepaid interest, first (31 days)$694.74
Fees + prepaids$16,808.48
Your down payment is the seller’s equity. You take over the $289,048 balance, so the rest of the $764,000 price is paid at closing. A second mortgage can cover part of it. $491,760.65 is due at closing. Uses and sources reconcile at $780,808.48 each. Not a Closing Disclosure.