Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$473,591Cash toward the purchase price.
Closing costs + prepaids$16,488Not just lender fees.
Before credits & paid funds$490,079The complete starting cash picture.
Estimated remaining funds due at closing
$490,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$473,591.23
Your down payment$473,591.23
Closing costs + prepaids$16,487.90
Total buyer cash needed$490,079.13
Remaining funds due$490,079.13
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,257.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,203.00
Initial HOA (3 months)$96.99
Prepaid interest, first (24 days)$462.87
Fees + prepaids$16,487.90
Your down payment is the seller’s equity. You take over the $251,409 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $490,079.13 is due at closing. Uses and sources reconcile at $741,487.90 each. Not a Closing Disclosure.