Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$436,790Cash toward the purchase price.
Closing costs + prepaids$17,425Not just lender fees.
Before credits & paid funds$454,216The complete starting cash picture.
Estimated remaining funds due at closing
$454,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$436,790.16
Your down payment$436,790.16
Closing costs + prepaids$17,425.36
Total buyer cash needed$454,215.52
Remaining funds due$454,215.52
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%)$7,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,461.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,822.50
Prepaid interest, first (29 days)$633.82
Fees + prepaids$17,425.36
Your down payment is the seller’s equity. You take over the $292,210 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $454,215.52 is due at closing. Uses and sources reconcile at $746,425.36 each. Not a Closing Disclosure.