Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$210,997Cash toward the purchase price.
Closing costs + prepaids$19,070Not just lender fees.
Before credits & paid funds$230,067The complete starting cash picture.
Estimated remaining funds due at closing
$230,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,997.15
Your down payment$210,997.15
Closing costs + prepaids$19,069.80
Total buyer cash needed$230,066.95
Remaining funds due$230,066.95
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%)$7,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,595.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,825.00
Initial HOA (3 months)$108.00
Prepaid interest, first (25 days)$1,023.79
Fees + prepaids$19,069.80
Your down payment is the seller’s equity. You take over the $519,003 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $230,066.95 is due at closing. Uses and sources reconcile at $749,069.80 each. Not a Closing Disclosure.