Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$280,278Cash toward the purchase price.
Closing costs + prepaids$18,669Not just lender fees.
Before credits & paid funds$298,947The complete starting cash picture.
Estimated remaining funds due at closing
$298,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,277.69
Your down payment$280,277.69
Closing costs + prepaids$18,669.46
Total buyer cash needed$298,947.15
Remaining funds due$298,947.15
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%)$2,248.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,423.75
Initial HOA (3 months)$375.00
Prepaid interest, first (29 days)$1,104.10
Fees + prepaids$18,669.46
Your down payment is the seller’s equity. You take over the $449,722 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $298,947.15 is due at closing. Uses and sources reconcile at $748,669.46 each. Not a Closing Disclosure.