Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$492,851Cash toward the purchase price.
Closing costs + prepaids$16,530Not just lender fees.
Before credits & paid funds$509,381The complete starting cash picture.
Estimated remaining funds due at closing
$509,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$492,850.80
Your down payment$492,850.80
Closing costs + prepaids$16,530.46
Total buyer cash needed$509,381.26
Remaining funds due$509,381.26
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%)$7,498.80
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,285.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$899.75
Initial HOA (3 months)$438.00
Prepaid interest, first (9 days)$190.76
Fees + prepaids$16,530.46
Your down payment is the seller’s equity. You take over the $257,029 balance, so the rest of the $749,880 price is paid at closing. A second mortgage can cover part of it. $509,381.26 is due at closing. Uses and sources reconcile at $766,410.46 each. Not a Closing Disclosure.