Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$555,157Cash toward the purchase price.
Closing costs + prepaids$16,895Not just lender fees.
Before credits & paid funds$572,052The complete starting cash picture.
Estimated remaining funds due at closing
$572,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$555,156.75
Your down payment$555,156.75
Closing costs + prepaids$16,894.99
Total buyer cash needed$572,051.74
Remaining funds due$572,051.74
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%)$7,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$923.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,849.75
Prepaid interest, first (28 days)$504.53
Fees + prepaids$16,894.99
Your down payment is the seller’s equity. You take over the $184,743 balance, so the rest of the $739,900 price is paid at closing. A second mortgage can cover part of it. $572,051.74 is due at closing. Uses and sources reconcile at $756,794.99 each. Not a Closing Disclosure.