Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$290,620Cash toward the purchase price.
Closing costs + prepaids$17,831Not just lender fees.
Before credits & paid funds$308,451The complete starting cash picture.
Estimated remaining funds due at closing
$308,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,619.60
Your down payment$290,619.60
Closing costs + prepaids$17,831.08
Total buyer cash needed$308,450.68
Remaining funds due$308,450.68
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%)$7,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,141.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,139.75
Initial HOA (3 months)$287.01
Prepaid interest, first (26 days)$854.41
Fees + prepaids$17,831.08
Your down payment is the seller’s equity. You take over the $428,380 balance, so the rest of the $719,000 price is paid at closing. A second mortgage can cover part of it. $308,450.68 is due at closing. Uses and sources reconcile at $736,831.08 each. Not a Closing Disclosure.