Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$408,710Cash toward the purchase price.
Closing costs + prepaids$17,099Not just lender fees.
Before credits & paid funds$425,809The complete starting cash picture.
Estimated remaining funds due at closing
$425,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$408,709.90
Your down payment$408,709.90
Closing costs + prepaids$17,098.79
Total buyer cash needed$425,808.69
Remaining funds due$425,808.69
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,581.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,083.25
Initial HOA (3 months)$342.00
Prepaid interest, first (26 days)$624.09
Fees + prepaids$17,098.79
Your down payment is the seller’s equity. You take over the $316,290 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $425,808.69 is due at closing. Uses and sources reconcile at $742,098.79 each. Not a Closing Disclosure.