Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$432,676Cash toward the purchase price.
Closing costs + prepaids$16,817Not just lender fees.
Before credits & paid funds$449,493The complete starting cash picture.
Estimated remaining funds due at closing
$449,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$432,675.99
Your down payment$432,675.99
Closing costs + prepaids$16,817.19
Total buyer cash needed$449,493.18
Remaining funds due$449,493.18
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%)$1,461.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$511.00
Initial HOA (3 months)$625.74
Prepaid interest, first (25 days)$750.83
Fees + prepaids$16,817.19
Your down payment is the seller’s equity. You take over the $292,324 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $449,493.18 is due at closing. Uses and sources reconcile at $741,817.19 each. Not a Closing Disclosure.