Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$441,779Cash toward the purchase price.
Closing costs + prepaids$17,491Not just lender fees.
Before credits & paid funds$459,270The complete starting cash picture.
Estimated remaining funds due at closing
$459,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,778.94
Your down payment$441,778.94
Closing costs + prepaids$17,491.13
Total buyer cash needed$459,270.08
Remaining funds due$459,270.08
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%)$1,441.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,774.00
Initial HOA (3 months)$150.00
Prepaid interest, first (22 days)$608.03
Fees + prepaids$17,491.13
Your down payment is the seller’s equity. You take over the $288,221 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $459,270.08 is due at closing. Uses and sources reconcile at $747,491.13 each. Not a Closing Disclosure.