Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$274,616Cash toward the purchase price.
Closing costs + prepaids$18,575Not just lender fees.
Before credits & paid funds$293,191The complete starting cash picture.
Estimated remaining funds due at closing
$293,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,615.92
Your down payment$274,615.92
Closing costs + prepaids$18,575.41
Total buyer cash needed$293,191.33
Remaining funds due$293,191.33
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%)$7,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,226.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,957.00
Prepaid interest, first (24 days)$974.99
Fees + prepaids$18,575.41
Your down payment is the seller’s equity. You take over the $445,284 balance, so the rest of the $719,900 price is paid at closing. A second mortgage can cover part of it. $293,191.33 is due at closing. Uses and sources reconcile at $738,475.41 each. Not a Closing Disclosure.