Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$481,139Cash toward the purchase price.
Closing costs + prepaids$17,123Not just lender fees.
Before credits & paid funds$498,261The complete starting cash picture.
Estimated remaining funds due at closing
$498,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$481,138.56
Your down payment$481,138.56
Closing costs + prepaids$17,122.91
Total buyer cash needed$498,261.47
Remaining funds due$498,261.47
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%)$7,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,289.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,209.00
Initial HOA (3 months)$438.00
Prepaid interest, first (26 days)$578.60
Fees + prepaids$17,122.91
Your down payment is the seller’s equity. You take over the $257,861 balance, so the rest of the $739,000 price is paid at closing. A second mortgage can cover part of it. $498,261.47 is due at closing. Uses and sources reconcile at $756,122.91 each. Not a Closing Disclosure.