Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$261,411Cash toward the purchase price.
Closing costs + prepaids$19,920Not just lender fees.
Before credits & paid funds$281,330The complete starting cash picture.
Estimated remaining funds due at closing
$281,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,410.69
Your down payment$261,410.69
Closing costs + prepaids$19,919.77
Total buyer cash needed$281,330.46
Remaining funds due$281,330.46
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%)$2,342.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,825.00
Prepaid interest, first (29 days)$2,233.82
Fees + prepaids$19,919.77
Your down payment is the seller’s equity. You take over the $468,589 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $281,330.46 is due at closing. Uses and sources reconcile at $749,919.77 each. Not a Closing Disclosure.