Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$475,071Cash toward the purchase price.
Closing costs + prepaids$16,877Not just lender fees.
Before credits & paid funds$491,949The complete starting cash picture.
Estimated remaining funds due at closing
$491,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$475,071.37
Your down payment$475,071.37
Closing costs + prepaids$16,877.48
Total buyer cash needed$491,948.85
Remaining funds due$491,948.85
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%)$1,274.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,197.25
Initial HOA (3 months)$330.00
Prepaid interest, first (22 days)$559.09
Fees + prepaids$16,877.48
Your down payment is the seller’s equity. You take over the $254,829 balance, so the rest of the $729,900 price is paid at closing. A second mortgage can cover part of it. $491,948.85 is due at closing. Uses and sources reconcile at $746,777.48 each. Not a Closing Disclosure.