Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$472,084Cash toward the purchase price.
Closing costs + prepaids$17,154Not just lender fees.
Before credits & paid funds$489,238The complete starting cash picture.
Estimated remaining funds due at closing
$489,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$472,084.34
Your down payment$472,084.34
Closing costs + prepaids$17,153.86
Total buyer cash needed$489,238.20
Remaining funds due$489,238.20
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%)$7,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,489.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$962.50
Initial HOA (3 months)$189.00
Prepaid interest, first (18 days)$596.28
Fees + prepaids$17,153.86
Your down payment is the seller’s equity. You take over the $297,816 balance, so the rest of the $769,900 price is paid at closing. A second mortgage can cover part of it. $489,238.20 is due at closing. Uses and sources reconcile at $787,053.86 each. Not a Closing Disclosure.