Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$261,292Cash toward the purchase price.
Closing costs + prepaids$18,863Not just lender fees.
Before credits & paid funds$280,155The complete starting cash picture.
Estimated remaining funds due at closing
$280,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,292.10
Your down payment$261,292.10
Closing costs + prepaids$18,863.24
Total buyer cash needed$280,155.33
Remaining funds due$280,155.33
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%)$7,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,318.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,832.50
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$1,020.70
Fees + prepaids$18,863.24
Your down payment is the seller’s equity. You take over the $463,608 balance, so the rest of the $724,900 price is paid at closing. A second mortgage can cover part of it. $280,155.33 is due at closing. Uses and sources reconcile at $743,763.24 each. Not a Closing Disclosure.