Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$265,492Cash toward the purchase price.
Closing costs + prepaids$20,871Not just lender fees.
Before credits & paid funds$286,363The complete starting cash picture.
Estimated remaining funds due at closing
$286,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,492.02
Your down payment$265,492.02
Closing costs + prepaids$20,871.19
Total buyer cash needed$286,363.21
Remaining funds due$286,363.21
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%)$7,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,342.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,033.50
Initial HOA (3 months)$81.00
Prepaid interest, first (23 days)$856.15
Fees + prepaids$20,871.19
Your down payment is the seller’s equity. You take over the $468,508 balance, so the rest of the $734,000 price is paid at closing. A second mortgage can cover part of it. $286,363.21 is due at closing. Uses and sources reconcile at $754,871.19 each. Not a Closing Disclosure.