Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$283,836Cash toward the purchase price.
Closing costs + prepaids$17,931Not just lender fees.
Before credits & paid funds$301,768The complete starting cash picture.
Estimated remaining funds due at closing
$301,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,836.24
Your down payment$283,836.24
Closing costs + prepaids$17,931.49
Total buyer cash needed$301,767.73
Remaining funds due$301,767.73
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%)$7,665.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,413.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$919.75
Initial HOA (3 months)$324.00
Prepaid interest, first (10 days)$391.42
Fees + prepaids$17,931.49
Your down payment is the seller’s equity. You take over the $482,664 balance, so the rest of the $766,500 price is paid at closing. A second mortgage can cover part of it. $301,767.73 is due at closing. Uses and sources reconcile at $784,431.49 each. Not a Closing Disclosure.