Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$502,300Cash toward the purchase price.
Closing costs + prepaids$17,196Not just lender fees.
Before credits & paid funds$519,496The complete starting cash picture.
Estimated remaining funds due at closing
$519,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$502,299.66
Your down payment$502,299.66
Closing costs + prepaids$17,196.24
Total buyer cash needed$519,495.90
Remaining funds due$519,495.90
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%)$7,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,188.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,850.00
Prepaid interest, first (28 days)$539.74
Fees + prepaids$17,196.24
Your down payment is the seller’s equity. You take over the $237,700 balance, so the rest of the $740,000 price is paid at closing. A second mortgage can cover part of it. $519,495.90 is due at closing. Uses and sources reconcile at $757,196.24 each. Not a Closing Disclosure.