Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$465,295Cash toward the purchase price.
Closing costs + prepaids$17,054Not just lender fees.
Before credits & paid funds$482,350The complete starting cash picture.
Estimated remaining funds due at closing
$482,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$465,295.44
Your down payment$465,295.44
Closing costs + prepaids$17,054.47
Total buyer cash needed$482,349.91
Remaining funds due$482,349.91
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%)$7,220.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,283.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,810.75
Prepaid interest, first (25 days)$522.20
Fees + prepaids$17,054.47
Your down payment is the seller’s equity. You take over the $256,705 balance, so the rest of the $722,000 price is paid at closing. A second mortgage can cover part of it. $482,349.91 is due at closing. Uses and sources reconcile at $739,054.47 each. Not a Closing Disclosure.