Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$402,633Cash toward the purchase price.
Closing costs + prepaids$16,352Not just lender fees.
Before credits & paid funds$418,986The complete starting cash picture.
Estimated remaining funds due at closing
$418,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$402,633.42
Your down payment$402,633.42
Closing costs + prepaids$16,352.32
Total buyer cash needed$418,985.74
Remaining funds due$418,985.74
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%)$7,270.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,621.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$533.25
Initial HOA (3 months)$17.49
Prepaid interest, first (28 days)$691.75
Fees + prepaids$16,352.32
Your down payment is the seller’s equity. You take over the $324,367 balance, so the rest of the $727,000 price is paid at closing. A second mortgage can cover part of it. $418,985.74 is due at closing. Uses and sources reconcile at $743,352.32 each. Not a Closing Disclosure.