Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$273,295Cash toward the purchase price.
Closing costs + prepaids$22,612Not just lender fees.
Before credits & paid funds$295,907The complete starting cash picture.
Estimated remaining funds due at closing
$295,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,294.76
Your down payment$273,294.76
Closing costs + prepaids$22,611.89
Total buyer cash needed$295,906.65
Remaining funds due$295,906.65
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%)$2,283.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,910.00
Initial HOA (3 months)$141.99
Prepaid interest, first (23 days)$1,758.38
Fees + prepaids$22,611.89
Your down payment is the seller’s equity. You take over the $456,705 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $295,906.65 is due at closing. Uses and sources reconcile at $752,611.89 each. Not a Closing Disclosure.