Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$481,132Cash toward the purchase price.
Closing costs + prepaids$17,750Not just lender fees.
Before credits & paid funds$498,882The complete starting cash picture.
Estimated remaining funds due at closing
$498,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$481,132.49
Your down payment$481,132.49
Closing costs + prepaids$17,749.98
Total buyer cash needed$498,882.47
Remaining funds due$498,882.47
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%)$7,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,244.34
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,825.00
Initial HOA (3 months)$675.00
Prepaid interest, first (24 days)$487.64
Fees + prepaids$17,749.98
Your down payment is the seller’s equity. You take over the $248,868 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $498,882.47 is due at closing. Uses and sources reconcile at $747,749.98 each. Not a Closing Disclosure.