Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$478,463Cash toward the purchase price.
Closing costs + prepaids$17,412Not just lender fees.
Before credits & paid funds$495,875The complete starting cash picture.
Estimated remaining funds due at closing
$495,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$478,463.32
Your down payment$478,463.32
Closing costs + prepaids$17,412.13
Total buyer cash needed$495,875.45
Remaining funds due$495,875.45
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%)$7,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,232.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,971.00
Prepaid interest, first (27 days)$741.94
Fees + prepaids$17,412.13
Your down payment is the seller’s equity. You take over the $246,437 balance, so the rest of the $724,900 price is paid at closing. A second mortgage can cover part of it. $495,875.45 is due at closing. Uses and sources reconcile at $742,312.13 each. Not a Closing Disclosure.