Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$243,686Cash toward the purchase price.
Closing costs + prepaids$17,856Not just lender fees.
Before credits & paid funds$261,542The complete starting cash picture.
Estimated remaining funds due at closing
$261,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,686.44
Your down payment$243,686.44
Closing costs + prepaids$17,855.52
Total buyer cash needed$261,541.96
Remaining funds due$261,541.96
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%)$2,406.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$935.25
Prepaid interest, first (26 days)$1,045.70
Fees + prepaids$17,855.52
Your down payment is the seller’s equity. You take over the $481,314 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $261,541.96 is due at closing. Uses and sources reconcile at $742,855.52 each. Not a Closing Disclosure.