Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$273,362Cash toward the purchase price.
Closing costs + prepaids$17,614Not just lender fees.
Before credits & paid funds$290,976The complete starting cash picture.
Estimated remaining funds due at closing
$290,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,361.69
Your down payment$273,361.69
Closing costs + prepaids$17,614.49
Total buyer cash needed$290,976.19
Remaining funds due$290,976.19
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%)$7,485.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,375.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$767.25
Prepaid interest, first (18 days)$768.55
Fees + prepaids$17,614.49
Your down payment is the seller’s equity. You take over the $475,138 balance, so the rest of the $748,500 price is paid at closing. A second mortgage can cover part of it. $290,976.19 is due at closing. Uses and sources reconcile at $766,114.49 each. Not a Closing Disclosure.