Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$703,993Cash toward the purchase price.
Closing costs + prepaids$15,600Not just lender fees.
Before credits & paid funds$719,593The complete starting cash picture.
Estimated remaining funds due at closing
$719,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$703,993.26
Your down payment$703,993.26
Closing costs + prepaids$15,599.99
Total buyer cash needed$719,593.25
Remaining funds due$719,593.25
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%)$105.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,812.50
Initial HOA (3 months)$126.00
Prepaid interest, first (29 days)$88.46
Fees + prepaids$15,599.99
Your down payment is the seller’s equity. You take over the $21,007 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $719,593.25 is due at closing. Uses and sources reconcile at $740,599.99 each. Not a Closing Disclosure.