Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$526,515Cash toward the purchase price.
Closing costs + prepaids$15,515Not just lender fees.
Before credits & paid funds$542,029The complete starting cash picture.
Estimated remaining funds due at closing
$542,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$526,514.62
Your down payment$526,514.62
Closing costs + prepaids$15,514.88
Total buyer cash needed$542,029.50
Remaining funds due$542,029.50
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,116.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$664.00
Prepaid interest, first (1 days)$16.95
Fees + prepaids$15,514.88
Your down payment is the seller’s equity. You take over the $223,385 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $542,029.50 is due at closing. Uses and sources reconcile at $765,414.88 each. Not a Closing Disclosure.