Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$380,828Cash toward the purchase price.
Closing costs + prepaids$16,997Not just lender fees.
Before credits & paid funds$397,825The complete starting cash picture.
Estimated remaining funds due at closing
$397,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,827.63
Your down payment$380,827.63
Closing costs + prepaids$16,997.03
Total buyer cash needed$397,824.66
Remaining funds due$397,824.66
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%)$1,720.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,003.25
Initial HOA (3 months)$126.00
Prepaid interest, first (25 days)$678.92
Fees + prepaids$16,997.03
Your down payment is the seller’s equity. You take over the $344,172 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $397,824.66 is due at closing. Uses and sources reconcile at $741,997.03 each. Not a Closing Disclosure.