Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$274,467Cash toward the purchase price.
Closing costs + prepaids$17,967Not just lender fees.
Before credits & paid funds$292,434The complete starting cash picture.
Estimated remaining funds due at closing
$292,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,467.34
Your down payment$274,467.34
Closing costs + prepaids$17,967.07
Total buyer cash needed$292,434.41
Remaining funds due$292,434.41
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%)$7,179.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,217.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,322.75
Initial HOA (3 months)$207.00
Prepaid interest, first (23 days)$821.69
Fees + prepaids$17,967.07
Your down payment is the seller’s equity. You take over the $443,531 balance, so the rest of the $717,998 price is paid at closing. A second mortgage can cover part of it. $292,434.41 is due at closing. Uses and sources reconcile at $735,965.07 each. Not a Closing Disclosure.