Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$413,160Cash toward the purchase price.
Closing costs + prepaids$20,098Not just lender fees.
Before credits & paid funds$433,258The complete starting cash picture.
Estimated remaining funds due at closing
$433,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$413,160.03
Your down payment$413,160.03
Closing costs + prepaids$20,098.46
Total buyer cash needed$433,258.49
Remaining funds due$433,258.49
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%)$1,559.20
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)$2,388.00
Prepaid interest, first (28 days)$870.76
Fees + prepaids$20,098.46
Your down payment is the seller’s equity. You take over the $311,840 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $433,258.49 is due at closing. Uses and sources reconcile at $745,098.46 each. Not a Closing Disclosure.