Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$258,414Cash toward the purchase price.
Closing costs + prepaids$19,884Not just lender fees.
Before credits & paid funds$278,297The complete starting cash picture.
Estimated remaining funds due at closing
$278,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,413.58
Your down payment$258,413.58
Closing costs + prepaids$19,883.77
Total buyer cash needed$278,297.35
Remaining funds due$278,297.35
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%)$2,407.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,669.50
Initial HOA (3 months)$165.00
Prepaid interest, first (28 days)$1,023.34
Fees + prepaids$19,883.77
Your down payment is the seller’s equity. You take over the $481,586 balance, so the rest of the $740,000 price is paid at closing. A second mortgage can cover part of it. $278,297.35 is due at closing. Uses and sources reconcile at $759,883.77 each. Not a Closing Disclosure.