Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$474,258Cash toward the purchase price.
Closing costs + prepaids$16,162Not just lender fees.
Before credits & paid funds$490,420The complete starting cash picture.
Estimated remaining funds due at closing
$490,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$474,258.24
Your down payment$474,258.24
Closing costs + prepaids$16,162.14
Total buyer cash needed$490,420.38
Remaining funds due$490,420.38
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%)$7,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,448.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$810.50
Prepaid interest, first (2 days)$44.93
Fees + prepaids$16,162.14
Your down payment is the seller’s equity. You take over the $289,742 balance, so the rest of the $764,000 price is paid at closing. A second mortgage can cover part of it. $490,420.38 is due at closing. Uses and sources reconcile at $780,162.14 each. Not a Closing Disclosure.