Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$408,467Cash toward the purchase price.
Closing costs + prepaids$19,118Not just lender fees.
Before credits & paid funds$427,585The complete starting cash picture.
Estimated remaining funds due at closing
$427,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$408,466.97
Your down payment$408,466.97
Closing costs + prepaids$19,118.44
Total buyer cash needed$427,585.41
Remaining funds due$427,585.41
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%)$7,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,582.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,812.25
Initial HOA (3 months)$786.00
Prepaid interest, first (24 days)$1,471.02
Fees + prepaids$19,118.44
Your down payment is the seller’s equity. You take over the $316,433 balance, so the rest of the $724,900 price is paid at closing. A second mortgage can cover part of it. $427,585.41 is due at closing. Uses and sources reconcile at $744,018.44 each. Not a Closing Disclosure.