Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$421,915Cash toward the purchase price.
Closing costs + prepaids$17,521Not just lender fees.
Before credits & paid funds$439,435The complete starting cash picture.
Estimated remaining funds due at closing
$439,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,914.57
Your down payment$421,914.57
Closing costs + prepaids$17,520.82
Total buyer cash needed$439,435.39
Remaining funds due$439,435.39
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%)$1,535.43
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 (28 days)$654.89
Fees + prepaids$17,520.82
Your down payment is the seller’s equity. You take over the $307,085 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $439,435.39 is due at closing. Uses and sources reconcile at $746,520.82 each. Not a Closing Disclosure.