Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$313,501Cash toward the purchase price.
Closing costs + prepaids$16,765Not just lender fees.
Before credits & paid funds$330,266The complete starting cash picture.
Estimated remaining funds due at closing
$330,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,501.10
Your down payment$313,501.10
Closing costs + prepaids$16,765.29
Total buyer cash needed$330,266.39
Remaining funds due$330,266.39
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,057.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$631.00
Prepaid interest, first (24 days)$608.79
Fees + prepaids$16,765.29
Your down payment is the seller’s equity. You take over the $411,499 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $330,266.39 is due at closing. Uses and sources reconcile at $741,765.29 each. Not a Closing Disclosure.