Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$434,358Cash toward the purchase price.
Closing costs + prepaids$16,570Not just lender fees.
Before credits & paid funds$450,928The complete starting cash picture.
Estimated remaining funds due at closing
$450,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$434,358.41
Your down payment$434,358.41
Closing costs + prepaids$16,569.67
Total buyer cash needed$450,928.08
Remaining funds due$450,928.08
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%)$7,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,568.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$935.00
Prepaid interest, first (16 days)$368.46
Fees + prepaids$16,569.67
Your down payment is the seller’s equity. You take over the $313,642 balance, so the rest of the $748,000 price is paid at closing. A second mortgage can cover part of it. $450,928.08 is due at closing. Uses and sources reconcile at $764,569.67 each. Not a Closing Disclosure.