Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$269,547Cash toward the purchase price.
Closing costs + prepaids$19,322Not just lender fees.
Before credits & paid funds$288,869The complete starting cash picture.
Estimated remaining funds due at closing
$288,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,547.12
Your down payment$269,547.12
Closing costs + prepaids$19,321.93
Total buyer cash needed$288,869.05
Remaining funds due$288,869.05
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%)$7,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,327.26
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,291.00
Initial HOA (3 months)$141.00
Prepaid interest, first (26 days)$994.67
Fees + prepaids$19,321.93
Your down payment is the seller’s equity. You take over the $465,453 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $288,869.05 is due at closing. Uses and sources reconcile at $754,321.93 each. Not a Closing Disclosure.