Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$411,611Cash toward the purchase price.
Closing costs + prepaids$17,830Not just lender fees.
Before credits & paid funds$429,441The complete starting cash picture.
Estimated remaining funds due at closing
$429,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$411,610.88
Your down payment$411,610.88
Closing costs + prepaids$17,829.73
Total buyer cash needed$429,440.61
Remaining funds due$429,440.61
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%)$7,197.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,540.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,799.25
Initial HOA (3 months)$405.00
Prepaid interest, first (27 days)$670.03
Fees + prepaids$17,829.73
Your down payment is the seller’s equity. You take over the $308,089 balance, so the rest of the $719,700 price is paid at closing. A second mortgage can cover part of it. $429,440.61 is due at closing. Uses and sources reconcile at $737,529.73 each. Not a Closing Disclosure.