Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$447,338Cash toward the purchase price.
Closing costs + prepaids$16,560Not just lender fees.
Before credits & paid funds$463,898The complete starting cash picture.
Estimated remaining funds due at closing
$463,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$447,337.60
Your down payment$447,337.60
Closing costs + prepaids$16,560.48
Total buyer cash needed$463,898.08
Remaining funds due$463,898.08
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%)$7,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,488.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$894.00
Initial HOA (3 months)$312.00
Prepaid interest, first (6 days)$198.17
Fees + prepaids$16,560.48
Your down payment is the seller’s equity. You take over the $297,662 balance, so the rest of the $745,000 price is paid at closing. A second mortgage can cover part of it. $463,898.08 is due at closing. Uses and sources reconcile at $761,560.48 each. Not a Closing Disclosure.