Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$259,709Cash toward the purchase price.
Closing costs + prepaids$18,434Not just lender fees.
Before credits & paid funds$278,143The complete starting cash picture.
Estimated remaining funds due at closing
$278,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,709.04
Your down payment$259,709.04
Closing costs + prepaids$18,434.08
Total buyer cash needed$278,143.12
Remaining funds due$278,143.12
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%)$2,326.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,664.25
Initial HOA (3 months)$80.49
Prepaid interest, first (26 days)$894.89
Fees + prepaids$18,434.08
Your down payment is the seller’s equity. You take over the $465,291 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $278,143.12 is due at closing. Uses and sources reconcile at $743,434.08 each. Not a Closing Disclosure.