Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$428,648Cash toward the purchase price.
Closing costs + prepaids$15,719Not just lender fees.
Before credits & paid funds$444,368The complete starting cash picture.
Estimated remaining funds due at closing
$444,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,648.09
Your down payment$428,648.09
Closing costs + prepaids$15,719.46
Total buyer cash needed$444,367.56
Remaining funds due$444,367.56
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,606.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$333.25
Prepaid interest, first (2 days)$61.45
Fees + prepaids$15,719.46
Your down payment is the seller’s equity. You take over the $321,352 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $444,367.56 is due at closing. Uses and sources reconcile at $765,719.46 each. Not a Closing Disclosure.