Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$501,385Cash toward the purchase price.
Closing costs + prepaids$15,552Not just lender fees.
Before credits & paid funds$516,937The complete starting cash picture.
Estimated remaining funds due at closing
$516,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$501,384.98
Your down payment$501,384.98
Closing costs + prepaids$15,551.82
Total buyer cash needed$516,936.80
Remaining funds due$516,936.80
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%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,043.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$458.25
Initial HOA (3 months)$270.00
Prepaid interest, first (28 days)$462.50
Fees + prepaids$15,551.82
Your down payment is the seller’s equity. You take over the $208,615 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $516,936.80 is due at closing. Uses and sources reconcile at $725,551.82 each. Not a Closing Disclosure.