Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$223,483Cash toward the purchase price.
Closing costs + prepaids$18,875Not just lender fees.
Before credits & paid funds$242,358The complete starting cash picture.
Estimated remaining funds due at closing
$242,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,482.56
Your down payment$223,482.56
Closing costs + prepaids$18,875.22
Total buyer cash needed$242,357.77
Remaining funds due$242,357.77
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%)$7,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,527.59
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,822.50
Prepaid interest, first (27 days)$1,017.13
Fees + prepaids$18,875.22
Your down payment is the seller’s equity. You take over the $505,517 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $242,357.77 is due at closing. Uses and sources reconcile at $747,875.22 each. Not a Closing Disclosure.