Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$237,294Cash toward the purchase price.
Closing costs + prepaids$17,902Not just lender fees.
Before credits & paid funds$255,195The complete starting cash picture.
Estimated remaining funds due at closing
$255,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,293.54
Your down payment$237,293.54
Closing costs + prepaids$17,901.84
Total buyer cash needed$255,195.38
Remaining funds due$255,195.38
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,558.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$898.75
Initial HOA (3 months)$330.00
Prepaid interest, first (10 days)$406.56
Fees + prepaids$17,901.84
Your down payment is the seller’s equity. You take over the $511,706 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $255,195.38 is due at closing. Uses and sources reconcile at $766,901.84 each. Not a Closing Disclosure.