Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$530,951Cash toward the purchase price.
Closing costs + prepaids$18,227Not just lender fees.
Before credits & paid funds$549,178The complete starting cash picture.
Estimated remaining funds due at closing
$549,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$530,951.05
Your down payment$530,951.05
Closing costs + prepaids$18,226.73
Total buyer cash needed$549,177.78
Remaining funds due$549,177.78
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,095.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Initial HOA (3 months)$1,155.00
Prepaid interest, first (18 days)$383.49
Fees + prepaids$18,226.73
Your down payment is the seller’s equity. You take over the $219,049 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $549,177.78 is due at closing. Uses and sources reconcile at $768,226.73 each. Not a Closing Disclosure.