Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$234,927Cash toward the purchase price.
Closing costs + prepaids$17,697Not just lender fees.
Before credits & paid funds$252,623The complete starting cash picture.
Estimated remaining funds due at closing
$252,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,926.66
Your down payment$234,926.66
Closing costs + prepaids$17,696.70
Total buyer cash needed$252,623.37
Remaining funds due$252,623.37
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%)$7,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,424.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$556.50
Initial HOA (3 months)$345.00
Prepaid interest, first (25 days)$953.34
Fees + prepaids$17,696.70
Your down payment is the seller’s equity. You take over the $484,973 balance, so the rest of the $719,900 price is paid at closing. A second mortgage can cover part of it. $252,623.37 is due at closing. Uses and sources reconcile at $737,596.70 each. Not a Closing Disclosure.