Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$423,033Cash toward the purchase price.
Closing costs + prepaids$17,342Not just lender fees.
Before credits & paid funds$440,375The complete starting cash picture.
Estimated remaining funds due at closing
$440,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$423,032.63
Your down payment$423,032.63
Closing costs + prepaids$17,341.89
Total buyer cash needed$440,374.51
Remaining funds due$440,374.51
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%)$7,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,534.34
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,660.00
Prepaid interest, first (25 days)$630.55
Fees + prepaids$17,341.89
Your down payment is the seller’s equity. You take over the $306,867 balance, so the rest of the $729,900 price is paid at closing. A second mortgage can cover part of it. $440,374.51 is due at closing. Uses and sources reconcile at $747,241.89 each. Not a Closing Disclosure.