Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$509,727Cash toward the purchase price.
Closing costs + prepaids$16,856Not just lender fees.
Before credits & paid funds$526,583The complete starting cash picture.
Estimated remaining funds due at closing
$526,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$509,726.70
Your down payment$509,726.70
Closing costs + prepaids$16,856.25
Total buyer cash needed$526,582.95
Remaining funds due$526,582.95
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%)$7,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,101.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,825.00
Prepaid interest, first (25 days)$411.88
Fees + prepaids$16,856.25
Your down payment is the seller’s equity. You take over the $220,273 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $526,582.95 is due at closing. Uses and sources reconcile at $746,856.25 each. Not a Closing Disclosure.