Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$286,781Cash toward the purchase price.
Closing costs + prepaids$18,565Not just lender fees.
Before credits & paid funds$305,346The complete starting cash picture.
Estimated remaining funds due at closing
$305,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,781.01
Your down payment$286,781.01
Closing costs + prepaids$18,565.31
Total buyer cash needed$305,346.32
Remaining funds due$305,346.32
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%)$7,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,266.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,194.25
Initial HOA (3 months)$510.00
Prepaid interest, first (28 days)$976.97
Fees + prepaids$18,565.31
Your down payment is the seller’s equity. You take over the $453,219 balance, so the rest of the $740,000 price is paid at closing. A second mortgage can cover part of it. $305,346.32 is due at closing. Uses and sources reconcile at $758,565.31 each. Not a Closing Disclosure.