Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$288,470Cash toward the purchase price.
Closing costs + prepaids$18,812Not just lender fees.
Before credits & paid funds$307,282The complete starting cash picture.
Estimated remaining funds due at closing
$307,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,470.14
Your down payment$288,470.14
Closing costs + prepaids$18,812.21
Total buyer cash needed$307,282.36
Remaining funds due$307,282.36
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%)$7,559.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,337.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$945.00
Initial HOA (3 months)$564.00
Prepaid interest, first (15 days)$1,189.06
Fees + prepaids$18,812.21
Your down payment is the seller’s equity. You take over the $467,430 balance, so the rest of the $755,900 price is paid at closing. A second mortgage can cover part of it. $307,282.36 is due at closing. Uses and sources reconcile at $774,712.21 each. Not a Closing Disclosure.